我国民间借贷中的经济犯罪防控对策研究

发布时间：2018-03-15 02:13

本文选题：民间借贷　切入点：经济犯罪　出处：《西南政法大学》2014年硕士论文　论文类型：学位论文

【摘要】：民间借贷作为正规金融的重要补充，以其简便、快捷、灵活的优势，成为民间融资的重要力量。在实体经济飞速发展的大背景下，受银根紧缩政策影响，中小企业因融资渠道狭窄、银行贷款困难，资金需求无法满足，同时，缺少合理投资渠道的民间闲散资金四处游离，多种因素叠加导致民间借贷疯狂蔓延。由于法律规定模糊、监管缺位，民间借贷不可避免的具有自发性、盲目性、趋利性，高利现象明显，增加了民间借贷的风险性，也滋生了各种攫取非法经济利益的经济犯罪，对经济和社会造成不利影响。本文以我国民间借贷中的经济犯罪防控为研究中心，从理论和实践的角度，结合访谈笔录、调查问卷和司法案例，对民间借贷的概况、发展现状及其涉及的经济犯罪进行了较为深入的分析，，最终提出了较为合理可行的防范民间借贷经济犯罪的侦查对策和总体防范建议。本文正文共分为六个部分，其主要内容如下：第一部分为我国民间借贷概述。首先在对我国民间借贷概念界定进行文献综述后，笔者对民间借贷的概念进行分析。其次，阐述了民间借贷在我国盛行的原因。然后，概括了民间借贷在我国经济发展中的作用。最后，提出了民间借贷对我国宏观调控、经济、社会的负面影响和风险。第二部分为我国民间借贷的发展现状。首先，结合现实发展情况，将民间借贷分为传统意义上的民间借贷和P2P网络借贷，并进行了大致介绍。然后结合访谈笔录和调查问卷，总结了当前我国民间借贷的发展现状及特点。第三部分为我国民间借贷中经济犯罪的特点与成因。首先对民间借贷中经济犯罪研究进行文献综述，其次结合司法判例总结出我国民间借贷中经济犯罪的规律、特点，最后从社会体制和个体层面分析了民间借贷中经济犯罪的发生原因，为提出有针对性的有效的对策建议奠定基础。第四部分为民间借贷中经济犯罪的域外防控经验。通过总结美国庞氏骗局的特征、潜在投资者应采取的措施和加勒比海地区投资欺诈的政策经验教训，期望对我国防范民间借贷经济犯罪有一定借鉴意义。第五部分为我国民间借贷中经济犯罪的侦查对策，这是本文的重点内容。笔者从侦查过程入手，分别从加强信息情报工作，询问受害人、知情人，搜查、扣押、冻结赃款赃物，全力追赃，控制、讯问犯罪嫌疑人，收集、固定犯罪证据，专案侦查与专项行动相结合，加强各部门协调配合与联动，维稳处置提出了针对民间借贷中经济犯罪的可行性侦查对策。第六部分为我国民间借贷中经济犯罪的防范对策，也是本文的重点内容。笔者从完善相关立法、加强监管监测、加大政策引导、建立健全社会信用体系、深化金融体制改革、开放多元化投资渠道、利率市场化、加强宣传教育、树立正确投资观念、行业自律和企业内部管理方面提出了有效的对策。
[Abstract]:As an important supplement to formal finance, private lending has become an important force in private financing with its advantages of simplicity, quickness and flexibility. Under the background of the rapid development of the real economy, it is affected by tight monetary policies. Small and medium-sized enterprises have narrow financing channels, bank loans are difficult, and capital needs cannot be met. At the same time, private idle funds, which lack reasonable investment channels, drift around, and various factors add up to cause the spread of folk borrowing and borrowing crazily. Because the laws and regulations are vague, In the absence of supervision, private lending is inevitably spontaneous, blind, profit-oriented, and the phenomenon of high profits is obvious, which increases the risk of private lending and breeds various economic crimes that grab illegal economic benefits. This paper focuses on the prevention and control of economic crime in private lending in China. From the perspective of theory and practice, combined with interview notes, questionnaires and judicial cases, this paper gives an overview of private lending. The present situation of development and the economic crimes involved are analyzed in depth, and finally, some reasonable and feasible investigation countermeasures and general preventive suggestions are put forward. This text is divided into six parts, the main contents are as follows:. The first part is an overview of the folk lending in China. Firstly, after the literature review on the definition of the concept of private lending in China, the author analyzes the concept of private lending. Secondly, it explains the reasons why folk lending is prevalent in China. Finally, the negative effects and risks of folk lending on China's macro-control, economy and society are put forward. The second part is the current situation of private lending in China. First of all, combining with the actual situation, folk lending is divided into traditional folk lending and P2P network lending, and is introduced roughly. Then, combined with interview notes and questionnaire, This paper summarizes the current situation and characteristics of private lending in China. The third part is the characteristics and causes of the economic crime in the folk lending in China. Firstly, it summarizes the literature on the economic crime in the folk lending, and then summarizes the law and characteristics of the economic crime in the folk lending in our country combined with the judicial precedent. Finally, the author analyzes the causes of economic crime in private lending from the social system and individual level, and lays a foundation for effective countermeasures and suggestions. The 4th part is the experience of economic crime prevention and control in private lending. By summing up the characteristics of the Ponzi scheme in the United States, the measures to be taken by potential investors and the policy experience and lessons of investment fraud in the Caribbean are summarized. It is expected to be useful for our country to prevent the economic crime of folk loan. The 5th part is the investigation countermeasure of the economic crime in the folk loan of our country, this is the key content of this article. The author starts with the investigation process, separately from strengthening the information intelligence work, inquiring the victim, the informant, the search, the seizure, Freezing stolen money and stolen goods, fully pursuing, controlling, interrogating criminal suspects, collecting and fixing criminal evidence, combining ad hoc investigations with special actions, and strengthening coordination, coordination and linkage among various departments, The author puts forward the feasible investigation countermeasures against the economic crime in folk lending. The 6th part is also the key content of this paper, which is also the key content of this paper. The author of this paper, from perfecting relevant legislation, strengthening supervision and monitoring, strengthening policy guidance, establishing and perfecting social credit system, deepening the reform of financial system, This paper puts forward some effective countermeasures for opening up diversified investment channels, marketization of interest rate, strengthening propaganda and education, setting up correct investment concept, self-discipline of industry and internal management of enterprises.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.28;D923;D924.3

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