对民间借贷立法问题的理性思考.pdfVIP

第 24 卷第 4 期 2012 年 7 月 嘉兴学院学报 Vol. 24 No. 4 2012. 7 Journal of Jiaxing University · 1· 10. 3969 /i. issn. 1008 ? 6781. 2012. 04. 009 对民间借贷立法问题的理性思考 周德文1 ，徐 攀2 ﹙1. 温州管理科学研究院，浙江温州 325500；2. 嘉兴学院 商学院，浙江嘉兴 314001﹚ 摘 要：分析了民间借贷的现存问题及其合法化研究；重点论述了其产法的主要内容：一是严格区分民 间借贷与正规金融机构借贷，二是民间借贷与正规金融机构借贷法律地位平等，三是与民间借贷发生借贷法 律关系的对象界定，四是严禁民间借贷违规行为，五是规范民间借贷利率，六是实行民间借贷备案制度；说 明了民间借贷立法的社会影响，回答了人们对民间借贷立法会导致国家经济安全问题的疑问。 关键词：民间借贷；立法；规范 中图分类号：D923. 25 文献标识码：A. 文章编号：1008 ? 6781﹙2012﹚04 ? 0053 ? 05 Rational Consideration on the Problem of Private Lending Legislation ZHOU De ? wen1 ，XU Pan2 ﹙1. Wenzhou Research Institute of Management Science，Wenzhou，Zhejiang 325500； 2. School of Business，Jiaxing University，Jiaxing，Zhejiang 314001﹚ Abstract：The existing problems of the private lending and its legalization have been analyzed. The legal contents for private lending are expounded：First，there should be a strict distinction between private lending and formal loans from financial institutions；second，in terms of legal status，private lending is equal to formal financial institutions lend- ing；third，the definition of objects relating to the private lending should be clear；fourth，law ? violating actions in pri- vate lending should be strictly prohibited；fifth，the private lending rates needs to be standardized；sixth，a private lending filing system is to be implemented. Social impact of the private lending legislation has been explicated，and questions of national economic security resulted from the private lending legislation have been answered. Key words：private lending；legislation；specification