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我国经济体制的改革使民间借贷日益成为市场经济体制中不可或缺的一份子。然而,在民间资本步入融资领域的过程中,出现了诸多亟待解决的法律问题,如民间借贷的风险问题等,本文针对这些现象,从商法的视角出发,剖析我国现行法律制度存在的弊端,在借鉴外国立法与实践的基础上,从我国实际出发,最终解决如何从商法的视角对民间借贷加以规制的问题。
The reform of China’s economic system has made non-government loans increasingly an indispensable part of the market economy. However, in the process of private capital entering the financing field, there are many legal issues to be solved, such as the risk of private lending. In view of these phenomena, from the perspective of the commercial law, this article analyzes the shortcomings of the current legal system in our country, On the basis of drawing lessons from foreign legislation and practice, proceeding from the reality of our country, we will finally solve the problem of how to regulate private lending from the perspective of commercial law.