民法典视阈下资金价格平衡贷款授信风险的路径探析

Analysis on the path of capital price balancing loan credit risk from the perspective of Civil Code

金融稳定是我国经济高质量发展的必然要求,严格控制金融系统风险是稳定金融的根本内容,而其中资金价格在控制风险、稳定金融方面具有重要意义。本文以借贷关系法律上典型风险为分析视角,通过对资金价格要素与借贷风险关系研究,发现资金价格要素在平衡借贷风险方面不同于其他风险要素,具有独特性;资金价格会影响借贷当事人之间的信赖关系;贷款人授信特征与资金价格在法律规则适用上有着密不可分的联系。故而,一方面,当事人应当合理的利用资金价格要素作为平衡风险的工具;另一方面,在具体法律适用过程中,《民法典》以及其他法规中的相关规则应当依据不同的资金价格区分适用。

Financial stability is an inevitable requirement for the high-quality development of China’s economy, and strict control of financial system risks is the fundamental content of financial stability, among which the price of capital plays an important role in controlling risks and stabilizing finance. From the perspective of legal typical risk of lending relationship, this paper studies the relationship between capital price factor and lending risk, and finds that capital price factor is different from other risk factors in balancing lending risk, which is unique. Capital price will affect the reliance relationship between the parties of loan. Credit characteristics and capital price are closely related to the application of laws.Therefore, on the one hand, the parties should make reasonable use of capital price factors as a tool to balance risks;On the other hand, in the specific application of laws, the relevant rules in the Civil Code and other regulations should be applied separately according to different capital prices.