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最高法重拳整治高利贷、砍头息 叫停银行“随意抽断贷”行为
2 1 Shi Ji Jing Ji Bao Dao·2025-08-09 09:39

Core Viewpoint - The Supreme People's Court has issued guidelines to implement the Private Economy Promotion Law, focusing on addressing the financing difficulties faced by private enterprises through 25 specific judicial measures aimed at broadening financing channels and regulating illegal lending practices [1][2]. Group 1: Financing Challenges - The guidelines specifically target the issues of "difficult and expensive financing," which remain significant barriers to the growth of private enterprises in China [1][4]. - The document emphasizes the need to regulate illegal lending practices such as "usury" and "head-cutting interest," which contribute to the high financing costs for private businesses [2][3]. Group 2: Regulation of Financial Institutions - The guidelines call for the regulation of financial institutions' lending behaviors, including prohibiting arbitrary changes to loan conditions and ensuring that the rights of private enterprises are protected [3][4]. - Instances of financial institutions engaging in "loan withdrawal" practices, which exacerbate the financial struggles of private enterprises, are highlighted as a concern that the guidelines aim to address [3][4]. Group 3: Innovative Financing Solutions - The guidelines promote the use of non-traditional guarantees and supply chain financing to expand financing channels for private enterprises, recognizing the legal validity of these alternative financing methods [4][5]. - A long-term mechanism is proposed to enhance credit information sharing, which will help improve access to financing for private enterprises that have the willingness to recover from financial difficulties [4][5].