民间借贷利率法律规制分析-民商法专业毕业论文.docx

Abstract IV IV private lending, private lending is a typical money transfer ownership contract. By subject classification, it can be divided into private lending business lending loans, individuals and non-financial corporate lending, and non-financial companies and non-bank financial institutions lending. In essence, the interest is part of the profits, interest rates are part of profitability. Private lending interest rate decision and the average profit margin, but also affected by the legal environment, the private lending market competition, bank lending rates and other factors. The second part mainly analyzes the necessity of legal regulations to private lending interest rate. From the economic point of view, the high interest rates of private lending affects the financial security, resulting in the real economy into hollow, is not conducive to economic development and industrial restructuring and upgrading. At the same time the high interest rate affects social security, stability, honesty and credibility of the basic values of social impact. However, the reason for the regulation of private lending interest rates is legal pursuit of fairness and justice. The third part of a comprehensive sort through and review the founding of New China, the direct provision regulating private lending rates and not specific provisions indirectly regulate private lending interest rates but the same can be applied to private lending interest rates, in order to come to our country at this stage of judicial interpretation and justice for the regulation of private lending interest rate path guidelines, not yet out of control thinking, too rigid, strict conclusions. And there are insufficient laws, low-level, the existence of conflicting contents and conflict, there is no distinction between high rates of private lending and usury, interest rates four times already outdated provisions, such as the inherent defects in specific provisions. The fourth part is the legislative mo