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                      民间借贷私力救济方式的缺陷与完善

                      时间:2018-09-24 来源:现代营销(下旬刊) 作者:郭世杰 本文字数:3141字

                        摘    要: 近年来民间借贷数量大幅度上升,民间借贷纠纷日益增多,民间借贷的私力救济方式的弊端也逐渐暴露出来。目前我国对私力救济的立法尚不完善,私力救济的限度也没有明确的界定。民间借贷主体本身应增强法律意识,懂法、知法、守法,同时国家应进一步完善私力救济的法律法规,为民间借贷的救济保驾护航。

                        关键词: 民间借贷; 私力救济; 公力救济;

                      星云棋牌官网下载   MINJIANJIEDAIZAIWOGUOLISHISHANGFAZHANYOUJIU,YONGSILIJIUJIDEFANGSHIJIEJUEMINJIANJIEDAIJIUFENYOUZHEGENSHENDIGUDECHUANTONG,MINJIANJIEDAIDESILIJIUJIFANGSHIYOUZHEKUAISU、LINGHUO、SHOUDUANDUOYANGDETEDIAN,ZAIWOGUOZHEIYANGRENKOUZHONGDUO、DIYULIAOKUODEGUOJIAZHONGQIZHEBUKETIDAIDEZUOYONG,SUIZHEWOGUOJINGJIDEBUDUANFAZHAN,MINJIANJIEDAIDAYOUYIJUNTUQIZHISHI,DANSHIMUQIANWOGUOGUANYUSILIJIUJIDELIFA、ZHENGCERENGBUWANSHAN,JIUFENDANGSHIRENDUIYUHEKEWEIHEBUKEWEIDEJIEDINGRENGBUQINGXI。

                        一、民间借贷与私力救济的契合

                        (一)私力救济方式与民间借贷的特点契合

                      星云棋牌官网下载   SHOUXIAN,MINJIANJIEDAIJUYOUDIYUXING、LINGHUOXINGTEZHENG,ZHEIJIUYAOQIUJIEJUEMINJIANJIEDAIYAOCHONGFENKAOLVDIFANGTESE,BINGJISHIHUIYINGMINJIANJIEDAILINGYUGEZHONGQINGKUANGDEBIANHUA,ERSILIJIUJILINGHUO、JIDONGDETEDIANZHENGHAOMANZUMINJIANJIEDAIDELINGHUOXING。

                      星云棋牌官网下载   QICI,SILIJIUJIXIANGDUIYUGONGLIJIUJIDECHENGBENJIAODI,YONGSHIDUAN,XIAOLVGAO。DUIYUZHAIQUANRENLAISHUO,XUANZEGONGLIJIUJICHENGXUKENENGYESHIYIZHONGJINQIANCHENGBENHESHIJIANSHANGDEGUODUHAOFEI,SUOYIXUNQIUSILIJIUJIZAIYOUXIESHIHOUFANERSHIYIZHONGGENGWEILIXINGDEXUANZE。

                        ZUIHOU,SUIRANSILIJIUJISHIYIZHONGBUCHONGXINGDEJIUJIFANGSHI。DANYOUYUWOGUODUIYUMINJIANJIEDAIFANGMIANDEFALVBINGBUJIANQUAN,JIAZHIMINJIANJIEDAIDETIANRANSHUXING,ZHIDAODELEJIEDERENSHAO,QUZHENGNANDUDA,MINSHIZHUTIDEFALVYISHIDANBO,YINCIZAIMINJIANJIEDAIFANGMIANSILIJIUJICHANGCHANGYOUXIANXUANZE。

                        (二)民间借贷的私力救济方式与我国传统文化条件契合

                      星云棋牌官网下载   RUJIAWENHUASHIWOGUODECHUANTONGWENHUASIXIANG,RUJIAWENHUAJIANGJIUREN、YI、LI、ZHI、XIN,ZHUZHONGXIUSHEN,DAIYUSUSONG,GENGYOUYUANSIBUDAGUANSI、ZUOSHIBUNENGZUOJUEDENGYIXIEDEMINYAN,KEJIANWOGUOGONGMINZAIMIANDUIJIUFENSHI,XIANGHUZHIJIANJINLIANGLIMAOQIANRANG,YIHEWEIGUI,JINLIANGBIMIANMAODUNSHENGJI,YINCIYICHUANTONGDESILIJIUJIJIEJUEMINJIANJIEDAIJIUFEN,DUIZAIWEICHIRENJIGUANXIYIJIWEIHUSHEHUIWENDINGFANGMIAN,DOUQIZHEBUKEHUSHIDEZUOYONG。

                        (三)民间借贷的私力救济方式社会历史悠久

                        西周以来,我国民事借贷的主要解决方式是私力救济,私力救济在我国有深厚的社会历史基础。我国经历了2000多年封建社会,在封建社会官本位思想的体系下,民间积累了许多私力救济的方式,并且长时间成功地运用在实践生活中,虽然我们现在是社会主义社会,但是一些传统的习惯并不是随着体制的改变而改变的,遇到纠纷首先想到如何通过自己来救济的行为习惯仍然流传在民间。
                       

                      民间借贷私力救济方式的缺陷与完善
                       

                        二、民间借贷私力救济方式的缺陷

                        (一)我国关于民间借贷私力救济方式的立法尚不完善

                        WOGUODUIYUSHIYONGSILIJIUJIJIEJUEMINJIANJIEDAIJIUFENDEFALVMUQIANBINGBUWANSHAN,DABUFENFALVDUIYUSILIJIUJIDEGUIDINGGUOYULONGTONG,DUIYUYIXIESILIJIUJIDEFANGSHIJINJINSHIGAINIANSHANGDEZHUSHI,BINGMEIYOUJUTIXINGWEIDEGUIZHI,JIUFENDANGSHIRENBINGBUNENGTONGGUOFALVMINGQUEZIJISILIJIUJIDEXIANDU,DUIXINGWEIHEFAXINGMOLENGLIANGKE,BINGBUNENGYOUXIAODIGUIFAN、ZHIYINJIUFENDANGSHIRENZHIJIANSHIYONGSILIJIUJI。

                        (二)民间借贷的私力救济方式对当事人的约束力较弱

                        SILIJIUJIGUMINGSIYIJIUSHIMEIYOUGUOJIAQIANGZHILIDEBAOZHANGSHISHI,ZHEISHISILIJIUJIYUGONGLIJIUJIHESHEHUIJIUJIDEYIGEZUIXIANZHEDEQUBIE。SILIJIUJISUIRANYOUZHEZISHENDEHENDUOYOUSHI,DANSHIJINKAOGEREN、JIATING、YIXIESHEHUIZUZHIDELILIANGYUESHUDANGSHIREN,ZHEITONGCHANGDUIYUDANGSHIRENDEYUESHULIJIAORUO。YINCISUIRANMINJIANJIEDAISILIJIUJIDEFANGSHIDUOYANG,DANSHIJUNYAOYIKAODANGSHIRENZISHENDEDAODEZHUNZEHECHENGXINYISHI。

                        (三)民间借贷私力救济的手段时有过激

                      星云棋牌官网下载   MINJIANJIEDAIDESILIJIUJIDESHOUDUANSHIYOUBUDANG,MINJIANJIEDAIYAOXUANZESHENMEYANGDESHOUDUANQUANPINGDANGSHIRENDEZHUGUANYISI。TONGCHANG,ZAIJINXINGJIUJISHIRUGUOWENHEXIESHANGDEJIAOSHESHOUDUANBUNENGSHIXIANMUDESHI,YIBUFENRENJIUHUIZHUANXIANGWULIZHISHAOSHIWULIWEIXIE,YIDANSHIYONGWULIJIUHUIJIHUAMAODUN,BUJINBUNENGQIDAOJIEJUEJIUFENDEMUDE,FANERSHIMAODUNSHENGJI。ZAISHIJIANZHONGJINGCHANGHUIYOUYINWEIXIANGZHAIWURENYAOZHAI,HAOHUASHUOJIN,DUIFANGYOUYANBUJINDEQINGKUANG,YISHIQIJIZHAOGEJIGERENJIANGDUIFANGGUANLEQILAI,BIPODUIFANGHAIQIAN,ZHEIZHONGQINGKUANGYOUKENENGDUIFANGPOYUWEIXIEJIANGQIANHAISHANG,DANSHIDUIYUXINGWEIRENYOUKENENGSHEXIANFEIFAJUJINZUI,JIANGHUISHOUDAOXINGSHIZHICAI,GENGYOUSHENZHEYAOHUIQIANKUANHOU,WEILECHUQI,BIXUYAOZHAIWURENDUONAYIBIQIAN,ZHEIJIUYOUKENENGSHEXIANQIAOZHALESUO,HAIYOUDEWEILEXIEFENZHAOLEJIGERENJIANGZHAIWURENDUDAYIDUN,ZESHEXIANGUYISHANGHAIHUOZHEXUNXINZISHIZUI,BUJINQIANMEIYAOHUILAI,HAIDEJIZHAIWURENZHIBING,PEICHANGZHAIWUREN,HAISHIZIJIJIPENGYOUBEISHANGXINGSHIZEREN,DEBUCHANGSHI。

                        三、完善我国民间借贷私力救济方式的措施

                        (-)法律上进一步完善私力救济的规定

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                        (二)强化私力救济方式使用的效果

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                        (三)明确私力救济的使用范围和必要限度

                        DUIYUSILIJIUJIFANGSHIZHONGBUTONGDEBIAOXIANXINGSHIJISHIYONGFANWEIHEXIANDUDOUYAOMINGQUEDEGUIDINGZAIFALVYUNXUDEFANWEINEI。ZUODAOSILIJIUJIXINZHONGYOUSHU,DUIYUSILIJIUJIDEXIANDUBUMOLENGLIANGKE,FOUZE,JIANGHUISHIDEYUANBENDEMUDESHIWEILEZHUIQIUGONGPING、ZHENGYI,JIEGUOYINWEIXINGWEIBUDANG,BIANCHENGLEFEIZHENGYI。SILIJIUJIZAIFALVGUIDINGDEFANWEIHEBIYAODEXIANDUNEIXINGSHI,CAINENGBAOHUDANGSHIRENDEHEFAQUANYI,BUZHIYUNIANGCHENGGENGJIAYANZHONGDEMAODUN。

                        结语

                      星云棋牌官网下载   JIEJUEMINJIANJIEDAIJIUFENBUNENGJINYIKAOGONGLIJIUJI,ZHEIJILANGFEIGONGLIZIYUAN,YOUBUFUHEWOGUODIYULIAOKUO,RENSHUZHONGDUODEGUOQING,YINCISILIJIUJIYIRANGUANGFANBINGJIANGZHANGQISHIYONGYUWOGUOMINJIANJIEDAIJIUFENZHONG,WOGUOSILIJIUJIJIEJUEMINJIANJIEDAIJIUFENDEFANGSHIYOUYIDINGDELISHISHEHUITIAOJIANHEWENHUACHUANTONGTIAOJIAN,YOUBIYAOFAHUISILIJIUJIDEYOUSHI,DUIYUSILIJIUJIFANGSHIYINGDANGSHOUDAOGUOJIAFALVDERENKE,TONGSHIYINGGAIJIAQIANGDUISILIJIUJIDEGUIFANHEXIANZHI,SHIDESHEHUIGETIZAISHIYONGSILIJIUJIDEGUOCHENGZHONGYEZHONGYOUYIGANBIAOGAN,ZHENGQUESHIDUDESHIYONGSILIJIUJI。CONGERWOGUOXIANYOUDADAODUOYUANHUADEJIUFENJIEJUEJIZHI,JIANQUANWOGUOSHEHUIZHUYIFAZHIJIANSHE。

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                        郭世杰.关于民间借贷私力救济方式的探析[J].现代营销(下旬刊),2019(09):247-248.
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