日本規範放貸業的新動向及其啟示

The New Development of Lending Industry Norms in Japan and its Enlightenment

2010年6月，日本規範放貸業的法律修改，名稱變更為《放貸業法》。本次修正的主要內容包括：促進放貸業正當運營，抑制過量貸款，調整貸款利率利息體系等。上述內容採取分階段實施的緩和措施。對此日本國內一直存在質疑，認為可能妨礙金融交易自由，導致消費者金融市場縮小，損害中小企業以及消費者的利益等。結合我國放貸業立法的現狀，評介日本《放貸業法》的內容及相關觀點，為我國放貸業的法制化提供有益的經驗借鑑及啟示。

On June 2010， Japan revised its la of regulating the lending industry and the name of the law have changed into “the Loan Industry Act”. The main contents of the amendment include promoting operation of the lending industry normally， suppressing excessive loans， adjusting rate system of lending and taking tempered measures step by step. Some people in Japan worry that the new law may hinder the freedom of financial transactions， reduce the consumers’ financial market and do harm to the interest of small and medium enterprises as well as consumers. Based on the present situation of our Loan Business Act， we should learn from experience of Japan’s loan industry norms and promote the legalization of private finance in China