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民间借贷利率「新红线效应」:有法院落实15.4%标准,金融机构按规与否陷争议

2020-09-10
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ZUOZHE | NANMU

来源 | 柒财经

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15.4%!已有法院执行民间借贷利率新红线

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对金融机构的杀伤力:很大or有限?

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于非银行贷款机构而言,李亚认为,贷款利率虽由其参考市场定价原则自行决定,但从法律规定和司法裁判中来看,非银行类贷款机构贷款利率也受到司法利率上限约束,即按照当前LPR四倍,当前贷款利率不得超过15.4%/年。在此前提下,非银行类贷款机构业务将面临严峻挑战。

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