民间借贷的软法治理模式探析

民间借贷作为民间融资的重要形式,在解决金融资源公平、有效配置问题方面发挥着不可替代的作用.目前,硬法治理模式在规范民间借贷时出现了系统性的制度缺位,随着软法治理模式的日渐兴起,民间借贷的软法治理方案成为一种弥补硬法局限的金融治理模式.通过分析不难发现,民间借贷与软法治理在制度供给与制度需求、价值取向和治理方式诸方面有较高的契合度.构建以保障民生为宗旨的民间借贷软法治理模式,将是理顺和规范民间贷关系的一种理性选择.

Research on the Soft Law Governance Model of Private Lending

Private lending, as an important form of private financing, plays an irreplaceable role in the equal and efficient allocation of financial resources. Currently, systematic absence emerged in hard law governance model in regulating private lending. With the rise of soft law governance programs, the governance of private lending by soft law has become a new financial governance model compensating for the limitation of hard law. Through the analysis, we can see that the private lending and soft law governance are consistent with each other in the institution demand and supply, value orientation and governance mode and so on. The construction of soft law governance model of private lending which aims at protecting people＇ s livelihood is a rational choice to straighten out and regulate private lending hardships.