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我国民间借贷反映了民间融资立法、执法、司法、守法中的一系列缺陷、无序、冲突。本文结合当前我国民间融资的现状,对民间借贷概念给以明确的界定,详细分析了现阶段我国民间金融法律制度的缺陷,提出从法律上对民间金融的主体、权利义务及民间融资利率等方面予以法律定位,明确区分民间融资与其他非罪间的界限,并将“高利贷”罪司法入罪,同时建立规范的民间借贷监管机制。
China’s private lending reflects a series of defects, disorder and conflicts in the private financing legislation, law enforcement, justice and law-abiding. Based on the current status of private finance in our country, this paper gives a clear definition of the concept of private lending, analyzes in detail the shortcomings of the current legal system of private finance in our country, and puts forward that from the aspects of law, the main body of civil finance, rights and obligations and private financing interest rates Legal orientation should be adopted to clearly distinguish the boundary between private financing and other non-crimes and criminalize the crime of “loan-sharking”, while establishing a normative regulatory mechanism for private lending.