《放贷人条例》制定的难点及对策探析

Enacting “Lender Ordinance”: Difficulties and Solutions

以民间借贷为主要调整对象的《放贷人条例》,将从事放贷业务的主体放开,符合条件的个人和企业都可以从事放贷,进而将民间融资纳入监管,阳光化影子银行,从而促进民间融资良性发展,规范融资市场。然而,时至今日,对于《放贷人条例》各方仍存在较大争议,特别是在准入门槛、资金来源、贷款利率等方面,使得2008年就出台了草案的《放贷人条例》到现在仍是"只闻楼梯响,不见人下来"。文章拟在借鉴国外相关立法经验,对《放贷人条例》中争议较大的"准入门槛""资金来源""贷款利率"三方面提出解决思路,以推动我国民间融资阳光化进程。

Private lending is the main target of adjustment in ＂Lending Ordinance＂,in which the subject that do lending business is more inclusive,that is,any eligible individual and company is to be allowed to do the business. The practice of including private financing into the supervision system may promote the development of this form of finance; furthermore,the financing market is also standardized. There are still a lot of controversies,especially concerning requirements for market access,capital resource,and loan interest rate.Those problems make ＂Lender Ordinance＂（ 2008） still suspend. With the cases in other countries,it hopes to promote the practice of private financing.