民间借贷规制的范式选择

民间借贷在当前存在外延泛化的现象，有丛要对其外延进行重新界定。民间借贷在我国的兴起有其特定的原因和经济背景，对我国经济产生了较大的影响。我国当前对民间借贷的法律规制存在规范过多、体系繁杂、位阶冲突等情况。对民间借贷法律规制的范式选择，不应采取单独立法的形式，应在现有金融体制下，清理相关法律规范，采取突出重点的规制方法。具体制度设计上可以从民间借贷放贷主体的准入、放贷资金来源、借贷利率管制、借贷地域范围限制等四个方面进行规范。

The Paradigm Choice of Private Lending Regulation in China

As the concept of private lending is generalization currently, it＇s necessary to redefine its extension. The rise of private lending has a great influence on the economy and has its specific causes and economic background. The current legal system of private lending is complicated and miscellaneous, as well as status conflict. As a paradigm of private loans Regulation, separate legislation should not be taken. It＇s compatible to clean up the relevant legal norms under the existing financial system and take focused regulation. Following four aspects should be considered to design a concrete system： the access of lending body, the sources of lending funds, the interest rate control and the geographical range limit of private loans.