CAJ | 학술논문

对已存在24年的民间借贷“4倍利率”采取“一刀切”的管制模式，未能给利率上限以强力保护。当前，对我国民间借贷利率路径选择主要有“市场决定论”、“个案判断论”两种观点。由于市场的逐利性、自发性、盲目性并结合我国金融市场的现状，笔者认为，我国并不适合“市场决定论”；“个案判断论”能够在理想状态下最大限度地实现实质正义，但鉴于我国司法资源的匮乏以及法官价值判断的主观性亦不适用；“软硬上限”是在“客观规制”的基础上发挥市场作用的利率规制方式，较适应我国不平衡的地区经济发展。我国“软上限”应坚守“4倍利率”，作为强制性规范的“硬上限”高至“8倍利率”。
대이존재24년적민간차대“4배리솔”채취“일도절”적관제모식，미능급리솔상한이강력보호。당전，대아국민간차대리솔로경선택주요유“시장결정론”、“개안판단론”량충관점。유우시장적축리성、자발성、맹목성병결합아국금융시장적현상，필자인위，아국병불괄합“시장결정론”；“개안판단론”능구재이상상태하최대한도지실현실질정의，단감우아국사법자원적궤핍이급법관개치판단적주관성역불괄용；“연경상한”시재“객관규제”적기출상발휘시장작용적리솔규제방식，교괄응아국불평형적지구경제발전。아국“연상한”응견수“4배리솔”，작위강제성규범적“경상한”고지“8배리솔”。
“Four times the interest rate” of folk loan, which has existed for 24 years, now is regulated by “one size fits all”mode, which can’t give a strong protection to the interest rate limit. In the future, the main points of how to choose the path of folk loan interest rate are “market determinism” and “case judgments” .As the market is profitable, spontaneous, blind and combined with the situation of Chinese financial market,“market determinism” is not suitable for our country.“Case judgments” can ideally bring about the substantial justice to the greatest extent, but it is also not applicable because of the lack of judicial resources in our country and the judge’s subjectivity of value judgment.“Soft-upper-limit” plays an important role of the market on the basis of“objective regulation”, which is more adapted to the unbalanced regional economic development of our country.“Soft limit” in our country should stick to“four times the interest rate”, then as a mandatory standard of “upper limit”can be up to“eight times the interest rate”.