民营小水电开发运营中的法律制度运行检讨——基于鄂西某民营小水电站的调查

有关民营小水电开发运营的法律制度在实施中存在一系列问题：审批手续繁杂且衍生的成本费用高昂,不能享受平等的融资条件,增值税优惠政策在部分地方被电力公司架空,上网电价为政府和电力公司所掌控,这些因素综合导致民营小水电成本投入和产出效益失衡,投资积极性下降.基于此,应针对小水电“小”的特点,优化审批程序和内容,政府在提供贴息贷款或补贴支持的同时还需切实保障各项优惠措施的落实,确立合理的定价机制,发挥小水电行业协会和媒体的作用.此外,还应提升相关依据的立法层次并避免冲突.     

西原借款与曹汝霖、陆宗舆、章宗祥“卖国贼”身份再考

在近代日本推行大陆政策的过程中,"二十一条"是日本"北守南进"侵华图谋的重要实践。大隈内阁的武力侵华失败之后,寺内内阁转换策略,以西原借款为中心极力推行经济侵华,网罗了大量"二十一条"都不曾获得的新利权,在此过程中,曹汝霖、陆宗舆、章宗祥三人与有力焉。五四前后,反日派指证曹、陆、章"卖国"的证据既有符合事实者,亦有以讹传讹者,而曹、陆、章自辩"无回扣""收回山东利权"之言辞,既经不住事实的检验,亦经不起逻辑的推敲。故而,西原借款既是坐实曹、陆、章"卖国贼"身份的主要证据,也是上承"二十一条"、下启五四运动的关键环节。     

Bill of Sale Lending: Reforming a ‘Toxic’ Form of Credit

The Bills of Sale Acts were enacted in Victorian times as a form of secured credit whereby ‘goods’ owned by a borrower could be assigned under the bill of sale to a lender who would have title to the goods transferred to him. The lender would then allow the borrower to retain possession of the goods in exchange for instalment payments with interest. In the twenty‐first century these bills are most commonly used as ‘logbook loans’ for vehicles with extortionate interest rates and very little protection for individual consumers. This article examines the operational background to the Bill of Sale Acts. It focuses upon particular concerns for consumers and businesses and provides critique of the registration process before examining the proposals and consultations for reform currently before the Law Commission.     

论银团贷款协议中交叉违约条款的适用与限制简

鉴于银团贷款数额大、期限长、风险高的特点,为了避免信用风险,保证贷款及时收回,采用交叉违约条款已成为银团贷款实践的惯例.交叉违约条款作为重要的保护性条款,可以保证当借款人出现财务危机或其他不利情形时,银团能够不迟于其他债权人采取救济措施,保证行动的及时性,从而最大限度地维护银团的利益.但近年来,交叉违约条款呈现被滥用的趋势,其公平性遭到众多学者的诟病.为此,应当从交叉违约条款的法律内涵和法律性质出发,分析其法律效力以及适用此条款所面临的法律风险,进而从不履行主体、违约债务性质、违约性质及违约金额等方面对交叉违约制度加以完善,限制交叉违约条款的滥用,以平衡贷款双方的合法权益.