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信用卡逾期债务、银行贷款、民间借贷属于不同种类的法律关系,对前二者不应适用关于民间借贷的司法解释。对民间借贷进行利率上限管制的理由包括分配正义、防止机会主义、扶助贫弱等,这些均不适用于银行贷款和信用卡逾期债务。信用卡逾期债务具有违约金性质,是对较长免息期的一项对价。司法者应对现实中这一具有合理性的金融规则保持谦抑,避免作出不适当的类推。
Credit card overdue debt, bank loans, private lending belong to different types of legal relations, the former two should not apply the judicial interpretation of private lending. The reasons for restricting interest rate caps on private lending include the distribution of justice, prevention of opportunism and the promotion of poverty and poverty, which do not apply to bank loans and credit card overdue debts. Credit card overdue debt with liquidated damages is a consideration for a longer interest-free period. Judges should be modest about this plausible financial rule and avoid making inappropriate analogies.