民间借贷利息裁判标准研究--基于南京地区十年间终审判决书的整理与分析

On the Interest Arbitrament Criteria for Non-governmental Loan—a Review and Analysis of Final Judgments in the Last Decade in Nanjing

民间借贷因手续简便、方式灵活、交易成本低,为大量急需资金而贷款无门的中小企业和个人提供了便捷的资金融通渠道,而利息比例的高低则成为民间借贷中的核心问题。在民间借贷案件审理中,利息裁判是一个法学理论长期忽视的问题,却又是司法实务操作中经常面临的问题。本文拟针对南京地区近10年间计714份民间借贷终审判决书进行了梳理和分析,以期作出有价值的探索。

Non-governmental loan, thanks to its simplicity, flexibility and low cost, provides convenient financing for many small and middle-sized enterprises and individuals in great need of funds but with no ways to get loans, but interest rates become a key subject of non-governmental loan. In the trial of non-governmental loan cases, the issue of interest arbitrament, which has suffered from ignorance in legal theory for long, is frequently confronted with in judicial practice. The article reviews and analyzes up to 714 final judgments of non-governmental loan in the last decade in Naniing. in the hope of valuable exploration.