| 摘要: |
| 金融功能观理论认为金融具有资源分配、融资、信息提供、支付手段、激励机制和风
险控制六大功能。我国民间借贷存在着资源配置功能受到地域和习惯的影响而作用不
明显；信息提供功能缺乏准确性，且容易引发道德风险；原本正常激励机制容易变成
鼓励贪婪的工具；在支付手段和管理风险方面缺乏作为。为更好实现金融的功能，立
法应当将以下方面作为重点：明确民间借贷主体准入条件以赋予部分主体以合法地
位；对借贷利率进行规制，严格遏制高利贷；详细规定各种非法借贷行为的法律责
任；鼓励民间借贷加强行业自律。 |
| 关键词: 民间借贷 金融功能观 法律规制 |
| DOI： |
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| 基金项目: |
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| A Study on Some Legislation Emphases on Private Lending:Based on Financial Function Theory |
| LI Lei |
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| Abstract: |
| Based on the financial function theory, finance possesses six different functions, including resources
allocation, floating of loan, information providing, means of payment, incentive mechanism as well as risk control.
Compared with the status quo of China’s private lending, the resource allocation function is still not significant
confined to the geographical and habits factors. The information providing function is working without necessary
accuracy, and may easily lead to moral hazard. The incentive mechanism function tends to alienate from originally
normal incentive to a tool encouraging greed because of the unlimited rise of human lust Virtually nothing could be
witnessed in terms of the function of means of payment and the role of risk control. To better achieve the functions
of finance, legislation needs to play a more active role in the points hereinafter: defining the accession conditions
for the market players to give some institutes the subject status, managing interest rate and suppressing usury firmly,
defining legal responsibility to every kind of illegal private lending clearly, as well as encouraging the sector to
self-discipline . |
| Key words: private lending financial functions theory legal regulatory system |
