论文部分内容阅读
2010年6月,日本规范放贷业的法律修改,名称变更为《放贷业法》。本次修正的主要内容包括:促进放贷业正当运营,抑制过量贷款,调整贷款利率利息体系等。上述内容采取分阶段实施的缓和措施。对此日本国内一直存在质疑,认为可能妨碍金融交易自由,导致消费者金融市场缩小,损害中小企业以及消费者的利益等。结合我国放贷业立法的现状,评介日本《放贷业法》的内容及相关观点,为我国放贷业的法制化提供有益的经验借鉴及启示。
In June 2010, Japan amended the law governing the lending industry and changed its name to the Law on Lending Business. The main contents of this amendment include: promoting the proper operation of the lending industry, suppressing excessive loans, and adjusting the interest rate system for lending rates. The above content to take a phased implementation of mitigation measures. In this regard, Japan has always been questioned in the belief that it may hinder the freedom of financial transactions, leading to the shrinking consumer financial markets, damage to the interests of SMEs and consumers. In light of the status quo of China’s lending industry legislation, the paper reviews the contents of Japan’s “lending industry law” and related points of view, and provides useful lessons and enlightenment for the legalization of China’s lending industry.