摘要
在日本,由贷金业所带来的商工贷款、非法金融等社会问题一度络绎不绝。2010年《贷金业法》修改后的利息限制和总量控制,对多重债务问题的解决发挥了很大的作用,但是也对消费者金融的发展带来了一定的负面影响。解决多重债务问题,发挥民间借贷的社会作用,对于保持健康的经济社会发展都是非常重要的。为构筑可以取得两个目标之间平衡的社会治理结构,考察日本贷金业法制度的变迁,对照目前中国的民间借贷问题,从法律制度、市场监管和行业自律等方面寻求借鉴,探究中国民间借贷的发展路径和制度约束,不无裨益。
In Japan, money -lending business once industry loan, illegal finance, and so on. In 2010, Act＂, interest restriction and total quantity control debts, but it also had a certain negative impact on created many social problems, such as commercial and after the revise of ＂ Money - lending business Control played critical role in resolving the problem of multiple consumer finance development. Resolving the problem of muhiple debts and playing the social role of private lending are both very important for keeping the economic and social healthy development. To construct a social management structure accomplishing the equilibrium be tween the above two objectives, examining the evolution of money - lending business control act, seeking les sons from the aspects of law institution, market supervision and self - regulation in contrast to current China~ private lending problem, and exploring the development trend and institution restriction of china~ private lend- ing development are useful.
出处
《现代日本经济》
CSSCI
北大核心
2014年第1期36-45,共10页
Contemporary Economy OF Japan
基金
2008年辽宁省社科基金项目"产学研相结合创新体系下的知识产权问题研究"(L08DFX039)
关键词
贷金业法
消费者金融
民间借贷
借贷监测体系
征信体系
行业自律
money - lending business control act
consumer finance
private lending
lending monitoring system
credit investigation system
self - regulation
