Earticle

초록

영어

The purpose of this paper is to examine the case which confirmed the invalidation of high rate of agreed interest and repayment claim of excessive interest. The importance of this case lies in the fact that the court, unlike previous cases, recognized the repayment claim in the excess interest already payed, which had been under controversy since the abrogation of the old Usury Law. This case is problematic, However, because the court did not make clear the criteria and extent of the high interest rate that could be invalidated as a violation of Article 103 of Korean Civil Code. The redemption claim of the excessive interest already payed was settled by the principle of fairness and repayment in good faith, based on the comparison with Article 746 of Korean Civil Code. Since the court didi not follow the precedents, it should have presented the theoretical ground and meaning of unlawfulness. Despite this limit, this case is still important in that the court initiated the legislation on issues under controversy, resulting in the restoration of the Usury Law. For this reason, the new Usury Law was established in 2007 and the law took effect on June, 30, 2007. At this point, the issues on the validity of agreement on high interest rates and repayment claim of excessive interest will be settled under the new Usury Law.

목차

Ⅰ. 쟁점의 소재
  1. 이자제한법 폐지 후 대부업법이 제정되기 전에 한 고율의 이자약정의 효력
  2. 무효인 이자약정에 기하여 채무자가 임의로 지급한 초과이자의 반환 인정여부
 Ⅱ. 외국의 입법례에 대한 검토
  1. 개관
  2. 독일
  3. 미국
  4. 일본
 Ⅲ. 이자제한법 폐지 이전의 제한초과이자에 대한 국내 학설및 대법원 판례 검토
  1. 제한초과 이자약정의 효력
  2. 제한초과이자의 반환청구 문제
  3. 초과이자의 원본충당 문제
  4. 선이자 공제의 문제
 Ⅳ. 이자제한법 폐지 후 고리제한 법리 모색
  1. 문제점
  2. 대부업법에 의한 규제
  3. 민법상 고리약정의 규제법리와 그 법적 효과
  4. 고리약정에 있어서 무효로 된 초과이자의 반환청구에 대한 문제
 Ⅴ. 결론적 고찰
  1. 현저하게 고율인 이자약정의 효력
  2. 민법 제103조에 따라 무효로 되는 범위
  3. 초과이자약정 부분만 무효인 경우 구별기준
  4. 기지급된 이자의 반환청구 허용여부
  5. 대상판결의 검토
 참고문헌
 ABSTRACT

키워드

저자

• 김미혜 [ Kim, Mi-Hye | 아주대학교 법학연구소 전임연구원, 법학석사. ]

참고문헌

발행기관

간행물

표지보기 관심저널 등록

• 간행물명

  아주법학 [Ajou Law Research]

• 간기

  계간

• pISSN

  1976-3115

• 수록기간

  2007~2026

• 등재여부

  KCI 등재

• 십진분류

  KDC 360 DDC 340