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从实践层面看,高利贷已经成为我国目前相当普遍的一种现象,尤其在村镇,具有涉及范围广、资金规模大,对经济影响程度深等特点。因此,高利贷现象成为我们必须高度重视的问题。采取理性的策略,制定适合我国国情的民间金融政策,就显得尤为重要。目前针对高利贷的策略主要有两种观点:一种是“灭”的策略,就是用法律和行政手段消灭高利贷;另一种是“放”的策略,就是彻底放开民间金融(民间金融的主要形
From a practical point of view, usury has become a fairly common phenomenon in our country, especially in villages and towns, with a wide range of implications, large scale of funds, and a deep impact on the economy. Therefore, the phenomenon of usurious loans has become a problem that we must attach great importance to. Taking a rational strategy and formulating a non-governmental financial policy that suits our national conditions is particularly important. At present, there are mainly two kinds of strategies for usury: one is the strategy of “eliminating” and the other is the strategy of “letting go”, which is to completely liberalize the private finance The main form of private finance