论高息借款合同的效力判定民法学专业论文.docxVIP

1 1 内容摘要 本文主要围绕高息借款合同的效力判定，展开论述，除引言和结论外，全文共分为 四个部分： 第一部分简要介绍学者对“高息”的不同理解，为“高息”的界定埋下伏笔。同时， 引出高息借款合同的概念。 第二部分总结我国现行立法与司法对高息借款合同的处理。首先，通过对现有民间 借贷的法律梳理，指出我国民事立法中对于借款利息并未作出明确规定，即强制性地规 定利息高低，相反，在一定程度上建议司法机关尊重当事人的意思自治，不作过多干涉； 其次，通过对相关案件的整理，指出法院在判定高息借款合同效力的过程中并未探寻法 律法规意旨，衡量相互之间的利益，模糊性地以高息借款合同违法为由，僵硬地处理高 息借款合同中约定利息，存在说理不足的缺陷。 第三部分主要对审判实践中高息借款合同效力判定的理由进行检讨。首先，认为司 法实践中将银行同期贷款利率的四倍作为认定“高息”的基准是不妥的，因为我国民事 立法并未将其定性为强制性规定，所以将其作为审判依据，是于法无据的；其次，现行 司法实践中对约定利息的处理过于僵化且认定理由亦缺乏相应的法律支撑。 第四部分中提出解决高息借款合同效力判定问题的新路径。建议对高息借款合同按 照具体用途进行类型化区分，对生产性高息借贷、消费性高息借贷采取松紧不一的利息 管制措施，同时，将显失公平作为高息借款合同效力判定的依据，并从主客观两方面加 以明确区分。 关键词：利息；民间借贷；合同效力；显失公平 1 1 2 2 Abstract This article focused on the effectiveness of the high-interest loan contract decision in addition to the introduction and conclusion , the article is divided into four parts: The first part is a brief introduction to scholars of different understanding of high interest ,paving the way for the definition of high interest. And then, leads to the concept of high-interest loan contract. The second section summarizes the current legislative and judicial processing of high-interest loan contract .First, combing through existing private lending laws, that our civil legislation provides for interest on borrowing is not made clear ,that mandatory interest as provided level, the contrary, to a certain extent on the judiciary to respect the autonomy of the parties ,without too much interference; Secondly, through the collation of relevant cases, pointed out that Court did not explore the laws and regulations tenor in the process to determine the validity of the contract of high interest loans, measuring mutual interests , fuzziness illegal on the grounds of high-interest loan contract ,stiff to handle high-interest loan contract agreed interest, lack of reasoning defects. The third part of trial practice high-interest reason to review the determination of the effectiveness of the loan contract. First, the benchmark bank lending rate over the same period of the