| 单词 | Usury |
| 释义 | 高利貸 The act or practice of lending money at an exorbitant or illegal rate of interest. In Hong Kong, the maximum effective rate of interest on any loan is 60 per cent per annum: Money Lenders Ordinance (Cap 163) s 24. Banking Institutions are exempt from any provisions of the Money Lenders Ordinance and thus the statutory maximum effective rate of interest does not apply to such institutions. However, The Code of Banking Practice endorsed by the Hong Kong Monetary Authority states clearly that a bank should not charge an extortionate interest rate: The Code of Banking Practice 12.3. Equity will grant relief against usurious loans on the security of reversionary interests: Beynon v Cook (1875) 10 Ch App 389. 以過高或違法的利率放債的作為或行為。於香港，任何貸款的最高實際利率是年息百分之六十：《放債人條例》（第163章）第24條。銀行機構獲豁免《放債人條例》的任何條文，因此法定的最高實際利率不適用於該等機構。然而，由香港金融管理局簽註的《銀行營運守則》清楚列明銀行不應收取過高的利率：《銀行營運守則》12.3。衡平法會針對以復歸權益作為抵押的高利貸貸款批給濟助：Beynon v Cook (1875) 10 Ch App 389。n. |
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