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近年来,在法院所审理的民事案件中,债务案件呈上升趋势。由于民间借贷范围的扩大和借贷方式的多样化,诉诸法院来的债务案件出现了一系列新问题。较为突出的是,应当如何确定债务案件中高利贷的标准。关于民间借贷利率,我国现行法律并无明文规定,只是在最高法院的有关司法解释中有原则规定。最高人民法院在《关于贯彻执行民事政策法律若干问题的意见》中规定:“有息借贷,其利率可以适当高于国家银行贷款利率”,在《关于贯彻执行《中华人民共和国民法通则》若干问题的意见(试行)》中规定:“公民之间的生产经营性借贷的利
In recent years, debt cases have been on the rise in civil cases before the courts. Due to the expansion of private lending and the diversification of lending methods, a series of new problems have emerged in the debt cases brought to court. What is more prominent is how to determine the standard of usury in debt cases. On the private lending rates, the current law of our country does not expressly provide, but only in the Supreme Court's judicial interpretation of the principle of the provisions. In its Opinions on Several Issues Concerning the Implementation of Laws on Civil Policies, the Supreme People's Court stipulated that interest-bearing borrowings should have an interest rate that is appropriately higher than the interest rate of national bank loans. In the Guidelines on the Implementation of the General Principles of Civil Law of the People's Republic of China Opinion (Provisional) “provides:” Citizens between the production and operation of lending profits