涉非法集资犯罪的民间借贷案件合同效力及处理程序研究

发布时间：2018-04-10 01:32

本文选题：非法集资　切入点：民间借贷　出处：《广州大学》2017年硕士论文

【摘要】：民间借贷作为正规金融融资有益的补充,在世界各国广泛存在,且具有非常悠久的历史。近些年来,我国民间借贷资金规模呈现出急剧增长的态势,究其原因在于,与正规金融融资相比,民间借贷融资的特点或者说优势非常明显。一是借贷双方不用签订复杂的借款合同,不用履行繁琐的担保手续,方便快捷,二是借贷双方一般来说都是相对较为熟悉的人,贷款人审查合同也不会很严格,审查时间相对较短,借款人可以很快拿到借款。正是因为民间借贷的上述特点,再加上我国民间借贷法律法规的不系统、不完善,民间借贷在快速发展的过程中也产生了诸多问题,其中涉非法集资犯罪的问题尤其引人关注,一直都是理论和实践上中关注的焦点。而对于涉非法集资犯罪的民间借贷合同效力和处理程序问题又是此问题的核心问题,理论界和实务界对此也是莫衷一是。故该问题非常有探究之必要。本文共包含五个部分:第一部分也就是前言部分,简要交代了选题的背景,研究的现状和研究的方法。第二部分主要阐明的是在民间借贷案件中,涉非法集资犯罪的两种典型类型。我们都知道,非法集资犯罪并不是一个刑法罪名,而是一类犯罪的统称。在非法集资犯罪中,有两类犯罪与民间借贷密切相关,即非法吸收公众存款罪和集资诈骗罪。由于本文主要阐述的是合同效力和处理程序,故第二部分只对这两类罪名做一简单的介绍,并将其与合法的民间借贷做简单的区分。第三部分和第四部分是本文的重点。第三部分是关于涉非法集资犯罪的民间借贷合同效力问题。笔者首先归纳了目前对于该问题的三种主要观点,即无效说、有效说和可撤销说,然后分析了产生这种分歧的原因,最后阐述了笔者个人观点。第四部分是关于涉非法集资犯罪的民间借贷案件处理程序的问题。笔者首先分析了对“先刑后民”“先民后刑”“刑民并行”三种处理模式的优缺点做了简要的分析,并认为应当根据案情的不同分别选择不同的模式。最后对我国涉非法集资犯罪的民间借贷案件的处理程序进行了分析。第五部分为结语部分。
[Abstract]:As a beneficial supplement of formal financial financing, private lending exists widely all over the world and has a very long history.In recent years, the scale of private lending funds in China has shown a rapid growth, the reason is that compared with the formal financial financing, the characteristics or advantages of private lending financing is very obvious.First, the borrowers and borrowers do not have to sign complicated loan contracts, do not have to go through complicated procedures of guarantee, and are convenient and quick. The other is that the borrowers are generally relatively familiar with the people, and the lenders will not be very strict in examining the contracts.The examination time is relatively short, the borrower can obtain the loan quickly.It is precisely because of the above characteristics of private lending, coupled with the unsystematic and imperfect laws and regulations on private lending in our country, that in the course of the rapid development of private lending, there are also many problems, among which the problem of illegal fund-raising is of particular concern.It has always been the focus of attention in theory and practice.However, the problem of the validity and procedure of the folk loan contract involved in the crime of illegal financing is the core of this problem, which is also divided between the theorists and the practitioners.Therefore, the problem is very necessary to explore.This paper consists of five parts: the first part is the preface, briefly describes the background of the topic, research status and research methods.The second part mainly clarifies two typical types of illegal financing crime in private lending cases.We all know that the crime of illegal financing is not a criminal offence, but a general term for a crime.In the crime of illegal raising funds, there are two kinds of crimes which are closely related to folk loan, that is, the crime of illegally taking deposits from the public and the crime of financing fraud.Because this article mainly elaborates the contract validity and the processing procedure, the second part only makes a simple introduction to these two kinds of charges, and makes a simple distinction between them and the legal folk loan.The third and fourth parts are the focus of this paper.The third part is about the validity of private loan contract.At first, the author summarizes three main views on this problem, namely, invalidity, effective theory and reversible theory, then analyzes the reasons for the difference, and finally expounds the author's personal views.The fourth part deals with the procedure of handling private loan cases involving illegal financing crimes.Firstly, the author analyzes the advantages and disadvantages of the three modes of dealing with "first punishment before people", "foreman after punishment" and "parallel punishment and civilian", and thinks that different modes should be chosen according to the different cases.At last, the author analyzes the procedure of dealing with the private loan cases involving the crime of illegal raising funds in our country.The fifth part is the conclusion.
【学位授予单位】：广州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D924.3

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