CAJ | 학술논문

如何确立合理的民间借贷利率规则，是中国社会一直未能解决的法律、经济与政治问题，它困扰着中国法院对大量的民间借贷纠纷的司法裁判。对浙江省近年来的1421份判决书所进行的量化实证研究发现，我国目前适用的民间借贷利率不得超过银行同类贷款利率的四倍这一规则同民间借贷的逻辑相悖，应当予以废止。基于实证研究与已有文献，立法者应当把大量判决书所展现的审判法官在裁定利率保护中的一些集体智慧纳入到未来的规则重构中去，设立一种新的分类管制的民间借贷利率规则。
여하학립합리적민간차대리솔규칙，시중국사회일직미능해결적법률、경제여정치문제，타곤우착중국법원대대량적민간차대규분적사법재판。대절강성근년래적1421빈판결서소진행적양화실증연구발현，아국목전괄용적민간차대리솔불득초과은행동류대관리솔적사배저일규칙동민간차대적라집상패，응당여이폐지。기우실증연구여이유문헌，입법자응당파대량판결서소전현적심판법관재재정리솔보호중적일사집체지혜납입도미래적규칙중구중거，설립일충신적분류관제적민간차대리솔규칙。
How to establish a reasonable interest rate rule for inter-- personal lending has been a cru- cial but unresolved legal, economic, and political problem in China, which makes it troublesome for courts to adjudicate cases involving inter--personal lending. The current law regulating interest rates for impersonal lending in China is the so--called ＂four--time interest rate rule,＂ which means interest rates for impersonal lending can be higher than rates for lending from banks but shall not exceed four times of the latter. Based on a statistical analysis of 1,421 judicial cases adjudicated by courts in Zhejiang Province in recent years, this paper came to the conclusion that the current four--time interest rate rule is not ap- propriate for the development of informal finance in China and therefore shall be abolished. A new regula- tion substituting the current one is better to separate inter--personal lending into three groups and regu- lates different groups with different interest rate rules.