对高利贷的法律规制

民众对财富的渴望会随着我国市场经济的发展而愈发强烈,以高利贷为代表的民间金融在和国家博弈的过程中潜滋暗长。时至今日,资源分配的不均衡、金融市场的高度管制、中央和地方政策的摇摆、法律规制的混乱共同造就了高利贷之患。整体主义的法律治理思路能够促进各部门法在该问题上的合作,以经济法和经济政策为基础解决民间借贷失控的制度根源,纾解民营企业对资本的饥渴,严惩制度外的高利贷违法犯罪活动。

The Laws and Regulations concerning Usury

With the development of China＇s market economy,people＇s desire for wealth has increasingly got stronger.Private finance represented by usury keeps growing in the competition with the state.Now the uneven distribution of resources,highly regulated financial markets,the swing of the central and local policies,confusion and conflict of the legal regulations jointly lead to the problem of usury.The idea of holism legal governance can promote the cooperation of the various departments on this issue.The institutional roots that caused the runaway private lending must be eliminated based on economic law and economic policy.The capital shortage of private enterprises shall be relieved and the illegal usury shall be severely punished.