本文選題：高利率 + 借款人�。� 參考：《中國金融》2015年07期

【摘要】：正"高利貸"專指民間主體之間出借資金收取高額利息的行為,其核心是高利率,不同時期的高利率判斷標準存在差異。當前,一般把利率超過中國人民銀行所確定的同期、同類型貸款基準利率4倍的借貸界定為"高利貸"。長期以來,"高利貸"在幫助部分借款人解決短期資金流轉問題的同時,也使一些借款人陷入了債務深淵;在給部分出借人帶來豐厚利息收益的同時,也使其游走在灰色地帶的相關行為更具風險性,有些出借人甚至因此身陷牢獄。因"高利
[Abstract]:"usury" refers to the behavior of collecting high interest rate by lending funds between private subjects, the core of which is high interest rate, and there are differences in judging standard of high interest rate in different periods. At present, it is generally defined as "usury" by lending at four times the benchmark interest rate of the same type of loan over the same period as determined by the people's Bank of China. For a long time, "usury" has helped some borrowers solve the problem of short-term capital flow, but also caused some borrowers to fall into debt abyss. It also makes it riskier to wander in grey areas, with some lenders imprisoned. Because of "high profit"
【作者單位】： 中國人民大學;國家檢查官學院法學博士后流動站;中國人民銀行營業(yè)管理部;
【分類號】：D922.28;F832.4
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本文編號：1873808