摘要
我国高利贷是指利率超过中国人民银行公布的金融机构同期、同档次贷款利率的4倍的民间借贷。这种由中国人民银行规定一个刚性的利率上限作为高利贷认定标准的方法缺陷颇多,既没有解决认定方法的分歧,也牺牲了司法的能动性。从比较法上考察,高利贷认定标准有管制模式和自由模式的立法区分,我国当前立法属于管制模式,但是从平衡反高利贷立法的价值诉求、顺应反高利贷立法的历史趋势和兼顾我国现实情况三个方面考虑,我国高利贷认定标准立法需要向自由模式转型。
In China,usury is that unauthorized body lend money with the interest rate above four times of the rate for the same period and type loan which is issued by People＇ Bank of China.The method to identify a usury with a rigid interest rate-ceiling set by the People＇s Bank of China has a lot of defects,which is unable to harmonize the different opinions about the standard of usury and harmful to the judicial discretion.According to the judicial comparison,the legislation of the usury standard can be classified as control mode and free mode.Chinese legislation belongs to control mode and need a transformation to free mode.The transformation is necessary to balance of the values of anti-usury law,and conform to the trend of the anti-usury law and the Chinese reality.
出处
《法学论坛》
CSSCI
北大核心
2012年第6期102-107,共6页
Legal Forum
基金
北京市科委科技计划课题<科技型中小企业融资法律问题研究>(Z10000800041009)的阶段性研究成果之一
关键词
高利贷
认定标准
利率上限
司法裁量
调整模式
usury
identification standard
interest rate-ceiling
judicial discretion
control mode
