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近年来,我国民间借贷十分活跃。借贷纠纷也不断增多。据某县人民法院1994~1995年度统计,因民间借贷引起的诉讼纠纷高达46件。通过对一些具体借贷纠纷的剖析发现,在民间借贷中存在一些不良现象。误区之一:高利率高利贷盘剥在我国曾绝迹多年,随着商品经济的发展,到80年代中期,在一些地方重新出现了高利贷现象。进入90年代以来,这种现象有增无减,且借贷利率有越来越高的趋势,有的地方的民间高利贷利率竟能高出银行或信用社同期贷款利率的十倍,甚至更高,严重违背了借贷活动中的公平原则。
In recent years, China’s private lending is very active. Borrowing disputes are also increasing. According to the statistics of a county people’s court from 1994 to 1995, there were 46 litigation disputes arising from the private lending. Through the analysis of some specific loan disputes, we found that there are some undesirable phenomena in the private lending. One of the myths: high-interest-rate loan-sharking exploits in China have disappeared for many years. With the development of the commodity economy, by the mid-1980s, usury re-emerged in some places. Since the 1990s, this phenomenon has been on the rise and the lending rate has been on a rising trend. In some places, the interest rate of non-governmental interest loans can even be ten times or more higher than the lending rates of banks and credit cooperatives over the same period. Seriously violates the principle of fairness in the lending activities.