关于刑法增设职业发放高利贷罪的思考

发布时间：2018-01-28 00:50

本文关键词： 民间借贷高利贷增设职业发放高利贷罪　出处：《南京师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：当下中国,民间借贷及时有效地满足了经济快速发展过程中中小企业对资金的需求,弥补了正规金融借贷市场的不足,维持了资金市场的供需平衡,已然成为我国民间个体和企业最重要的融资渠道之一,地位举足轻重。然而,民间借贷中的高利贷因为伴随着极高的利润,使得越来越多的人投身其中,为追逐利益,非法入侵住宅、非法拘禁、绑架、故意杀人、故意伤害等高利贷案件频繁发生,不仅扰乱我国的金融秩序,给市场经济带来危害,而且对人民群众的生命财产安全造成严重威胁。其中,影响最为恶劣,给社会带来最大危害的就是职业发放高利贷的行为。职业发放高利贷将高息借贷进行产业化发展,涉黑涉恶,已然成为社会毒瘤。因此,将职业发放高利贷行为纳入刑法进行调整,增设职业发放高利贷罪具有理论上的合理性以及立法意义上合法性。增设职业发放高利贷罪并非是对民间借贷的否定,而是仅仅打击民间借贷中的不合法的高利贷行为,是有针对性的对严重危害社会的犯罪行为的打击,是在保障市场主体的财产权利与融资自由权利的基础上进行的必要制约。同时,以刑法高度惩治高利贷犯罪,也是我国对高利贷行为的民行、刑事规制体系的进一步完善,是我国法制不断发展进步的表现。
[Abstract]:At present, private lending meets the demand of small and medium-sized enterprises in the process of rapid economic development in a timely and effective manner, makes up for the deficiencies of the formal financial lending market, and maintains the balance between supply and demand in the capital market. It has become one of the most important financing channels for private individuals and enterprises in China. However, because of the extremely high profits, more and more people are engaged in the loan usury in private lending, in order to pursue the interests, illegally invade the house, illegally detain, kidnap, intentionally kill. The frequent occurrence of usury cases such as intentional injury not only disturbs the financial order of our country and brings harm to the market economy but also poses a serious threat to the life and property safety of the people. The biggest harm to the society is the practice of loansharking. Therefore, the professional loansharking will be incorporated into the criminal law to adjust. The establishment of the crime of loansharking of occupation is theoretically reasonable and legal in the sense of legislation. The establishment of crime of loansharking of occupation is not the negation of folk lending. But only to crack down on illegal usury in private lending, is a targeted attack on the serious harm to society of criminal acts. It is the necessary restriction on the basis of protecting the property right and financing freedom right of the market subject. At the same time, the crime of usury is highly punished by the criminal law, which is also the people's behavior of usury in our country. The further improvement of the criminal regulation system is the manifestation of the continuous development and progress of our country's legal system.
【学位授予单位】：南京师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D924.3

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