{"id":130,"thumbnail":"https://jilailawyer.com//rails/active_storage/blobs/eyJfcmFpbHMiOnsibWVzc2FnZSI6IkJBaHBBdTRCIiwiZXhwIjpudWxsLCJwdXIiOiJibG9iX2lkIn19--b22cbb47dd7275bfb2471b93d0340d612d7fadac/%E6%B0%91%E9%97%B4%E5%80%9F%E8%B4%B7.jpg","title_zh":"最高院明确：民间借贷利率司法保护上限：一年期LPR的4倍","title_en":"The Supreme Court made it clear: the upper limit of judicial protection of private lending rates: 4 times the one-year LPR","content_zh":"\u003cp\u003e\u003cspan style=\"font-size:16px;\"\u003e2020年8月20日，最高人民法院召开新闻发布会，发布新修订的《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》（以下简称\u0026ldquo;规定\u0026rdquo;）。\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003cspan style=\"font-size:16px;\"\u003e近年来，社会上关于民间借贷利率的讨论，层出不穷，在此次新规定发布前，民间借贷的利率采用的是以24%和36%为标准的两线三区，即24%以下的利率为合法利率，36%以上利率将不予支持，对于24%-36%之间的利率，如已支付，则无权要求返还，如未支付，也无权要求支付。\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003cspan style=\"font-size:16px;\"\u003e此次新规定的发布，重新调整了民间借贷利率的司法保护上线，将中国人民银行授权全国银行间同业拆借中心每月20日发布的一年期贷款市场报价利率（LPR）的4倍为标准确定民间借贷利率的司法保护上限，取代原规定中\u0026ldquo;以24%和36%为基准的两线三区\u0026rdquo;的规定，大幅度降低民间借贷利率的司法保护上限，促进民间借贷利率逐步与我国经济社会发展的实际水平相适应。以2020年7月20日发布的一年期贷款市场报价利率3.85%的4倍计算，民间借贷利率的司法保护上限为15.4%，相较于过去的24%和36%有较大幅度的下降。\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cstrong\u003e最高人民法院2020年8月20日新闻发布会材料请观看以下图片\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cstrong\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/26/content_fb498009a94d838ab270de53eaca998.png\" style=\"width: 600px; height: 843px;\" /\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cstrong\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/27/content_1da05a59bb0465df8cbdcb0e619bc98.png\" style=\"width: 600px; height: 878px;\" /\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cstrong\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/28/content_b8e3e970983ea9edc33d37d0b3202c8.png\" style=\"width: 600px; height: 859px;\" /\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cstrong\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/29/content_23239e10073250b63a37e9d51a66ddb.png\" style=\"width: 600px; height: 834px;\" /\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/30/content_0803e23b3e73cc6a804500b55a3c469.png\" style=\"width: 600px; height: 857px;\" /\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/31/content_bc8121fbcdedb83f720edc3a39ba3df.png\" style=\"width: 600px; height: 823px;\" /\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/32/content_6b6c5be4bdfe1a6751f8ecd9d73fac0.png\" style=\"width: 600px; height: 871px;\" /\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/33/content_8aaa0c665427b03cb5d5dd95411c96f.png\" style=\"width: 600px; height: 865px;\" /\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/34/content_0b4dca662d2a97833e8a021801cc670.png\" style=\"width: 600px; height: 911px;\" /\u003e\u003c/span\u003e\u003c/p\u003e\r\n","content_en":"\u003cp\u003e\u003cspan style=\"font-size:16px;\"\u003eOn August 20, 2020, the Supreme People\u0026#39;s Court held a press conference to release the newly revised \u0026quot;Regulations of the Supreme People\u0026#39;s Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases\u0026quot; (hereinafter referred to as the \u0026quot;Regulations\u0026quot;).\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003cspan style=\"font-size:16px;\"\u003eIn recent years, there have been endless discussions on the interest rate of private lending in the society. Before the release of the new regulations, the interest rate of private lending was based on the two-tier and three-zone standards of 24% and 36%, that is, the interest rate below 24% is Legal interest rates, interest rates above 36% will not be supported. For interest rates between 24% and 36%, if they have been paid, they have no right to request a refund, and if they have not paid, they have no right to pay.\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003cspan style=\"font-size:16px;\"\u003eThe release of the new regulations has re-adjusted the judicial protection of private lending rates, and set 4 times the one-year loan market quoted rate (LPR) issued by the National Interbank Funding Center authorized by the People\u0026#39;s Bank of China as the standard on the 20th of each month. Determine the upper limit of judicial protection of private lending interest rates, replace the original regulations of \u0026quot;two lines and three districts based on 24% and 36%\u0026quot;, greatly reduce the upper limit of judicial protection of private lending interest rates, and promote the gradual integration of private lending interest rates with my country\u0026#39;s economy. the actual level of social development. Calculated at 4 times the one-year loan market quoted interest rate of 3.85% released on July 20, 2020, the upper limit of judicial protection for private lending interest rates is 15.4%, which is a significant decrease compared to the past 24% and 36%. .\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003e\u003cspan style=\"font-size:16px;\"\u003eFor the materials of the press conference of the Supreme People\u0026#39;s Court on August 20, 2020, please view the following pictures\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cstrong\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/26/content_fb498009a94d838ab270de53eaca998.png\" style=\"width: 600px; height: 843px;\" /\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cstrong\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/27/content_1da05a59bb0465df8cbdcb0e619bc98.png\" style=\"width: 600px; height: 878px;\" /\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cstrong\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/28/content_b8e3e970983ea9edc33d37d0b3202c8.png\" style=\"width: 600px; height: 859px;\" /\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cstrong\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/29/content_23239e10073250b63a37e9d51a66ddb.png\" style=\"width: 600px; height: 834px;\" /\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/30/content_0803e23b3e73cc6a804500b55a3c469.png\" style=\"width: 600px; height: 857px;\" /\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/31/content_bc8121fbcdedb83f720edc3a39ba3df.png\" style=\"width: 600px; height: 823px;\" /\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/32/content_6b6c5be4bdfe1a6751f8ecd9d73fac0.png\" style=\"width: 600px; height: 871px;\" /\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/33/content_8aaa0c665427b03cb5d5dd95411c96f.png\" style=\"width: 600px; height: 865px;\" /\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align: center;\"\u003e\u003cspan style=\"font-size:16px;\"\u003e\u003cimg alt=\"\" src=\"/ckeditor_assets/pictures/34/content_0b4dca662d2a97833e8a021801cc670.png\" style=\"width: 600px; height: 911px;\" /\u003e\u003c/span\u003e\u003c/p\u003e\r\n","_type":"继来法视界","position":0,"created_at":"2020-09-27T19:02:50.067+08:00","updated_at":"2020-08-20T14:13:00.000+08:00","pv":19807,"abstract_zh":"2020年8月20日，最高人民法院召开新闻发布会，发布新修订的《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》（以下简称“规定”）。","abstract_en":"On August 20, 2020, the Supreme People's Court held a press conference to release the newly revised \"Regulations of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases\" (hereinafter referred to as the \"Regulations\").","link":""}