⎛⎝NnUzT⎠⎞北京赛车下载_北京pk赛车官网下载|官网:苏州律师协会

北京赛车下载


“高利贷”乱象整治立法完善若干思考


江苏少平北京赛车下载 杜存朋

北京赛车下载GUOQURENMENTONGHENDE“GAOLIDAI”ZAIJINNIANLAIJINRONGWEIJI、LILVJIGAODENGYINSUCIJIXIASIHUIFURAN,CONGDIXIARANDAODISHANG,CONGMINJIANJIEDAIGEBIEXINGWEISHANBIANCHENGYIGEFEICHANGXINGYE。GAOLIDAIZHOUFUJINGXIANG,DIANFULEZHENGCHANGDESHEHUICHUANGFULUNLI,XINGCHENGQUANMINFANGDAIMANYANZHISHI,TOUZIZIXUN、DANBAOGONGSIDENGXIANGGUANDANWEICHENGLEGAOLIDAIDEZHULIJUN,SHANGYEYINXINGXINDAIZIJINYIJIZHUDUOSHITIXINGYELIUDONGZHOUZHUANZIJINYIFENFENLIURUGAOLIDAICHAOYONG。TAOWANG、ZISHA、FANZUI、FANPINDENGDENGGESERENDENGMINGYUNHESHEHUIJINGJIZHENDANG,CUICUZONGHEZHENGZHIKEBURONGHUAN。ZI2011NIAN11YUE10RIQIWOGUOZHONGYANGHEDIFANGGEJIZHENGFUBUMENFENFENSHELIDAJIHECHUZHIFEIFAJIZIGONGZUOLINGDAOXIAOZU,KAIZHANWEIQI3GEYUEDEZHENGZHIFEIFAJIZIWENTIZHUANXIANGXINGDONG,ZHEIDUIYUEZHI“GAOLIDAI”FENGKUANGSHITOU、CUJINSHEHUIHEXIEHELIXINGFAZHANJUYOUZHONGYAOYIYI。XINGZHENGZHILISHOUDUANHESIFAZHICAISHOUDUANDEYOUXIAOYUNYONGJUNYILAIYUFALVCENGMIANWANSHAN,LIFAXIANXINGJIANQUANCHENGWEI“GAOLIDAI”LUANXIANGZHENGZHIDEDANGWUZHIJI。

YI、JIANLIJIANQUANTOUZIZIXUNGONGSI、DANBAOGONGSIDENGTEDING“ZHUNJINRONG”JIGOUSHELI、YUNXINGHETUICHUFALVJIZHI

WOGUODUIJINRONGJIGOUZAOYIZHIDINGSHANGYEYINXINGFA、BAOXIANFADENGXIANGGUANFALVFAGUI,DANSHITOUZIZIXUNGONGSI、DANBAOGONGSIDENGTEDING“ZHUNJINRONG”JIGOUZAIJINNIANLAIGEDIZHENGFUBUMENSHENHEZHUCEXIADALIANGYINGYUNERSHENG,CHENGWEIJIEDAILUANXIANGDEGONGKAIPINGTAI,ZHENDUISHANGSHUDANWEIXINGWEIFALVGUIFANQUEMEIYOUXIANGYINGJISHIZHIDING,JIANGUANLIFAYANZHONGZHIHOU。WOGUOGONGSIFASHUYUSHIYONGSUOYOUGONGSIDEYIBANGUIZE,WUFAZHENDUISHANGSHU“ZHUNJINRONG”JIGOUYEWUTESHUXINGJINXINGJUTIYUESHU。JISHIDANGQIANFAXIANWENTI,YUCAIQUJIEDUANYUNDONGSHIZHENGZHIQINGLIXIANGGUANJIGOU,YEWUXIANGYINGQUDIZHIFAYIJU。

北京赛车下载ZHENGFUBUMENDUITOUZIGONGSI、XIAOEDAIKUANGONGSI、YINXINGDAIKUANRUWEIDEDANBAOGONGSISUIRANGUIDINGJUEZHUCEZIBENXIANEMENJIAN,DANSHICHOUZI、YANZIDAIZHIZHAOLINGQUHOUCHOUZI,ZHEIYIJINGCHENGWEIYINGDUIXINGDESIKONGJIANGUANDETOUZIQIANGUIZE。JINHOUWUBIZHIDINGSHANGSHUGONGSIYANZIFAZHAOHOUZHUCEZIBENZHANGHUYUNZUOJIANGUANZHIDU,DUIGONGSIYUNZUOJIANLIBIYAODETEDINGYEWUJIANCHAJIANDUHEFADINGSHENJIZHIDU,DUISHANGSHUGONGSIJIETOUDIANPAIJIMEIJIEGUANGGAONEIRONGSHEJIDAIKUAN、DIYADENGZIYANGQINGXINGJINXINGZHUANXIANGQINGLICHACHU,LINGWAIJIANLIYANZHONGWEIFAYUNZUOTUICHUJIZHI,MINGQUEGUIDINGXIANGGUANPIWENZHENGZHAOCHEXIAOHUOZHUXIAOFADINGQINGXING,SHEDINGGUANBITINGYEQINGSUANQIANGZHICHENGXU。

北京赛车下载ER、JIANLIMINJIANJIEDAIDIFANGDENGJI、JIANCEHECHACHUGUANLIFALVZHIDU

TOUZIGONGSIDENGXIANGGUANDANWEITONGCHANGYIFADINGDAIBIAOREN、GUDONG、CAIWURENYUANJIQI

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北京赛车下载“GAOLIDAI”LUANXIANGZHENGZHIPOQIEXUYAODIFANGZHENGFUZHINENGBUMENJIAQIANGDUIMINJIANJIE

DAIZIJINDEYIFAJIANGUAN,DUIXINDAIYONGTUGENZONGJIANDU,DUIYINXINGZHANGHUZHIJIANDAEZIJINWANGLAIJIANLIJIESUANDENGJIBEIANFALVZHIDU,JISHIJIANCEXIANGGUANJINRONGSHUJU,ZHONGDIANGUANZHUGERENZHANGHUHEDANWEIZHANGHUCHUYINXINGDAIKUAN、ZHUCEZIJINYANZI、RICHANGBIYAOKAIZHIXUYAOWAIDEDUANSHIQINEIYICHANGDAEZIJINWANGLAI、DAEBENPIAO、DAEXIANJINLINGQUDENGYICHANGQINGXING,DUIGAOLIDAIZAOFAXIAN、ZAOJIERU、ZAOCHUZHI。LINGWAI,FALVDUIMINJIANJIEDAIXINGWEI,BUNENGJINJINGUIDINGBUDECHAOGUOTONGQITONGLEIYINXINGDAIKUANLIXISIBEIZHEIYIYUANZE,ZAOCHENGMINFASHANGGAOXIBUFAXIANJIMOREN、FAXIANBUZHICHIHUOHAIBENJINERYIDEJIANDANXIANXIANG。YOUGUANBUMENYINGYANJIUZHIDINGDUICONGSHIGAOLIDAIXINGWEISHANGWEIYINFAFANZUIDEFALVZHICAIHOUGUO,DUISHANGYEYINXINGZHONGKEHUJINGLIDENGTEDINGRENYUANYUTOUZIGONGSIDENG“ZHUNJINRONG”JIGOUJINMIHEZUOLIANXI、DUOCITIGONGGAOPINGGUDUODAIKUANBANGZHUHEYINXINGDAIKUANDAOQIJIXUHAIKUANKEHUXINXI、JIESHAOMINJIANFANGDAIKEHU、SHENZHIZHIJIECANYUMINJIANRONGZIFANGDAIDENGWEIGAOLIDAIANLIUTUIBOZHULANDEZHUDUOQINGXINGYUYIMINGDINGYANLIDEFALVZEREN(BUNENGJINJINJIAOYU、JIEPINYOUGUANRENYUANERYI),DUIGAOLIZHUANDAIDENGQINGXINGJINXINGGUANZHIXINGLIFA,JINYIBUMINGQUEGUIDINGGAOXIZHUIJIAO、MEISHOUFEIFASUODE、FAKUANDENGFALVJUCUO。

SAN、 WANSHANGAOLIDAIXIANGGUANFANZUIGUIZELIFA

北京赛车下载WOGUOXIANXINGFALVDUIFEIFAXISHOUGONGZHONGCUNKUAN、JIZIZHAPIAN、FEIFAJUJINDENGYUGAOLIDAIYOUGUANWEIFAFANZUIXINGWEIZUOCHUXIANGGUANGUIDING,DANSHIDUIXIANGGUANFANZUIDINGXING、WEIFARENDINGXIANGGUANFALVGUIDINGBUGOUMINGQUE、JUTI,ZHENGCEFALVJIEXIANBUYIBAWO,FALVSHIYONGYINANWENTIJIAODUO。WOGUOFALVMEIYOUMINGQUEJINZHIMINJIANGERENZHIJIANYOUCHANGJIEDAI,SIRENRONGZIFANGDAIZHANGQIZAIHEFAHEFEIFADEBIANYUANSHANGYOUZOU,ZAIWEIFAHEFANZUIDEBIANYUANSHANGYOUZOU。XUDUORENRENWEI,GONGMINJIANDEGERENJIEDAISHENZHIGAOLIDAIDOUBUSHUYUXINGFADIAOZHENGDEFANWEI。WOGUOXINGFAJIANGFEIFAJINGYINGXINGWEIDEJUTIBIAOXIANXINGSHIGUIDINGWEISIZHONG,QIZHONGQIANSANZHONGMINGQUEJUTI,DANDISIZHONGJI“DOUDI”TIAOKUAN“QITAYANZHONGRAOLUANSHICHANGZHIXUDEFEIFAJINGYINGHUODONG”ZEXIANGDANGKUANFAN,ZAISIFASHIJIANZHONGBUYIBAWO,GAOLIDAIBINGMEIYOUBEIMINGWENLUOLIEWEIFEIFAJINGYINGHUODONG,GEDIDINGXINGCHIDUBUTONG。

北京赛车下载LINGWAI,GENJUXINGFADIYIBAIQISHILIUTIAOGUIDING,FEIFAXISHOUGONGZHONGCUNKUANHUOZHEBIANXIANGXISHOUGONGZHONGCUNKUAN,RAOLUANJINRONGZHIXUDE,YINGYIFAZHUIJIUXINGSHIZEREN。《ZUIGAORENMINFAYUANGUANYUSHENLIFEIFAJIZIXINGSHIANJIANJUTIYINGYONGFALVRUOGANWENTIDEJIESHI》ZI2011NIAN1YUE4RIQISHIXING,GAIGUIDINGQIANGDIAO,WEIFANGUOJIAJINRONGGUANLIFALVGUIDING,XIANGSHEHUIGONGZHONG(BAOKUODANWEIHEGEREN)XISHOUZIJINDEXINGWEI,TONGSHIJUBEISIGETIAOJIANDE,CHUXINGFALINGYOUGUIDINGDEYIWAI,YINGDANGRENDINGWEIXINGFADIYIBAIQISHILIUTIAOGUIDINGDE“FEIFAXISHOUGONGZHONGCUNKUANHUOZHEBIANXIANGXISHOUGONGZHONGCUNKUAN”。SIFAJIESHIDIYITIAODUIWEIJINGYOUGUANBUMENYIFAPIZHUNHUOZHEJIEYONGHEFAJINGYINGDEXINGSHIXISHOUZIJIN、CHENGNUOZAIYIDINGQIXIANNEIYIHUOBI、SHIWU、GUQUANDENGFANGSHIHAIBENFUXIHUOZHEJIFUHUIBAO、XIANGSHEHUIGONGZHONGJISHEHUIBUTEDINGDUIXIANGXISHOUZIJINZHIXIANGGUANTIAOJIANGUIDINGJIAOMINGQUE,WEIGONGZHONGLIJIEJIESHOU,DANSHIDUITONGSHIYAOQIUJUBEI“TONGGUOMEITI、TUIJIEHUI、CHUANDAN、SHOUJIDUANXINDENGTUJINGXIANGSHEHUIGONGKAIXUANCHUAN”ZHEIYITIAOJIANGUIDINGRONGYIYINFAZHENGYI,MINGXIANSUOXIANGUIZEKEGUANYAOJIAN。SIFAJIESHIHAIBUCHONGGUIDING,WEIXIANGSHEHUIGONGKAIXUANCHUAN,ZAIQINYOUHUOZHEDANWEINEIBUZHENDUITEDINGDUIXIANGXISHOUZIJINDE,BUSHUYUFEIFAXISHOUHUOZHEBIANXIANGXISHOUGONGZHONGCUNKUAN,QIZHONG“YOU”ZIMOHUYONGYUZHIJINMEIYOUMINGQUEJIEDING。SIRENFANGDAIZHEHUOGELEIXINGSHIDETOUZIZIXUNGONGSI、DANBAOGONGSIJISHAOCAIQUMEITI、TUIJIEHUI、CHUANDANDENGGONGKAIFANGSHI,JUEDABUFENSIXIAYUNXING,WANGWANGXIANGTONGXUE、LAOXIANG、SHURENDENGGAOXIHUIBAOLANCUN。SHANGSHUGUIDINGYICHENGLEXUDUORENNAZHEJIETIAOBAOANDEZHANGAI。WEIJIZAOFAXIANHEZHENGZHIFEIFAJIZIXIANXIANG,JIXUDUIXIANXINGYOUGUANFANZUIFALV、SIFAJIESHIJINXINGSHULI、BUCHONGHEWANSHAN,JINYIBUMINGQUERENDINGBIAOZHUN。

SI、CUJINMINJIANJIEDAIFENGXIANXUANCHUAN、ZHIDAO、JIAOSHIYIWUFADINGHUA

北京赛车下载ZAIGONGMINZHIQINGQUAN、CAICHANQUANJIAQIANGBAOZHANGHEBEIJINGSAICHEXIAZAIXINGZHENG、CANYUXINGZHENGGUANNIANZHUBUQUELIDEBEIJINGXIA,ZHENGFUBUMENDUIJINRONGLUANXIANGCONGSHENGFUYOUJISHISHANZHI、XUANCHUANHEJINGSHIZHIZE。ZHENGFUBUMENXIANGTOUZIRENSHENHETOUZIZIXUNGONGSI、XIAOEDAIKUANGONGSI、DANBAOGONGSIDENGGELEIJIGOUSHELIDETONGSHI,YOUYIWUXIANGGONGZHONGXUANCHUANSHANGSHUGELEIJIGOUYUJINRONGJIGOUJINGYINGFANWEIBUTONGZHICHU,BIMIANMANGCONGQINGXIN。WULUNSHISIREN、SHITIQIYEHAISHITOUZIZIXUNGONGSI、XIAOEDAIKUANGONGSIDENGJIGOU,ZAIGAOXIHUIBAOCHENGNUOXIATOURUZISHENSUOYOUZIJINHUOZHEDALIANGJIEXIMINJIANZIJINZAITONGGUOZHONGJIERENJUJIANCUOHEHUOZIXINGXIANGJIXUDAEZIJINQIEYOUZICHANBIAOXIANGDEJIEDAIKEHUFANGDAI。MINJIANJIEDAIXINGYEXINXIBUDUICHENG,JIEDAIKEHUXIANYOUZICHANSHIJISHANGYIDIYAJISHANGYEYINXING,YIDINGSHIQINEIZAIXIANGZHONGDUOMINJIANFANGDAIRENTONGSHIGAOXIJIEQUDAEZIJIN,ZAIYIRONGZIDAPANHEGENGGAOLIXIJIZHONGTOUXIANGTACHU。SHANGXIACENGCENGTUIZHANGLILVSUOCHANSHENGXICHAFENGKUANGYOUHUOYIYANMEIMINJIANFANGDAIRENDUIJIEDAIKEHUDESHIJIHAIDAISHILIPANDUANLIXING,RENYIHUANJIEZIJINJIEDAILIANYINJINGSHOUCAOZUORENYUANWULIZHICHENGGAOXIHUOZICHANBEICHAFENGDONGJIEQISUHUOYINQITAWEIFAFANZUIBEIJIYADENGQINGXINGDAOZHIZHONGDUAN,YINFAGAOLIDAIPAOMOBEIJUSHANGYAN。YIXIEDIFANGZHENGFUBUNENGWEISUOWEIDIFANGHUANJING、WENDINGJUMIANHEZHENGJIXINGXIANGERYANGAIXIANGGUANWENTI,YINGJIZAOPILUBINGXIAOCHUSHEHUIBUWENDINGYINHUAN。JINHOUWUBITONGGUOLIFAGUIDINGZHENGFUBUMENDUIJIEDAIFENGXIANXINXIPILUHEJIAOSHIYIWU。YINGJISHITONGGUOGONGZHONGMEITIXIANGGONGZHONGSHIDANGPILUXIANGGUANFENGXIANXINXI,JINXINGTOUZIFENGXIANTISHI,JIESHIFEIFAJIZIDEWEIHAIXINGHEQIPIANXING,ZHUBUTIGAOMINZHONGDUIZHENGCHANGMINJIANJIEDAIYUFEIFAJIZIFENGXIANSHIBIE、PANDUANNENGLI。

 


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