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超出正常利率范围的高利借贷行为对国家金融体系、社会经济发展、司法公信力和社会治安都产生了不容小觑的负面影响。因高利贷不属于法律直接处罚打击的对象,现行法律对它基本持放任自流态度。要规范民间借贷中的高利贷现象,需要集合立法、金融、税务、司法、行政等多部门力量,建立多部门协作的工作机制,在尊重正常民间借贷行为的客观发展规律同时,通过对合法民间借贷行为的疏导,压缩高利贷的生存空间,以此破解高利贷社会难题。
The high-interest lending that goes beyond the normal interest rate has had a negative impact on the national financial system, social and economic development, judicial credibility and public order. Because usury is not the object of direct punishments punished by law, the current law basically takes the initiative on its own attitude. In order to regulate the loan-sharking phenomenon in private lending, we need to gather the legislative, financial, taxation, judicial, administrative and other multi-sectoral forces to establish a multi-sectoral working mechanism. While respecting the objective law of development of normal private lending and borrowing, Behavioral guidance, compression loan sharks living space, in order to solve the social problem of usury.