后吴英案时代中国民间金融法律规制研究

Research on Legal Regulation of the Folk Finance in China After Wu ying Case

后吴英案时代中国民间金融需要法治化设计。民间金融的存在,是农村金融机构失衡、金融二元性的重要表现,其积极作用和消极作用都非常突出。规范民间金融的法律规范较为零散,系统性差,操作性不强。法律规制民间金融要体现自由、效率、人权、正义、秩序等价值目标,实现民间金融主体规范化,民间金融形式多样化,借贷利率形成市场化和民间金融监管规范化。

In China, the folk finance needs legislation after the Wu Ying Case. The existence of the folk finance is an important manifestation of the imbalance of the rural financial institutions and the duality of finance, and both of its positive and negative role are prominent. The laws and regulations of the folk finance are unsystematic or impracticable. Legal regulation of folk finance should reflect its goal of values, such as freedom, efficiency, human rights, justice and order. Only in this way, can And standardization of the folk financial subject, diversity of the folk financial forms, marketization of the debit and credit interest rate and standardization of the folk financial supervision be achieved.