校园贷的刑法规制

发布时间：2018-10-05 13:25

【摘要】：校园网络借贷平台等新型互联网金融创新产品,不应一味地放纵,也不能完全无视需求进行打压。应当对其风险进行厘清和识别,有针对性地进行防范和治理,必要时刑法应予以应对。校园网络借贷平台系金融信息中介具有中立性,但其可能遭受异化风险。传播、出售债务人裸照,威胁其还债构成传播淫秽物品罪;以公开裸照要挟借款人清偿债务及利息应根据债务及利息性质定性,利率在24%及以下系合法维权行为,利率在24%以上36%以下原则上不构成犯罪,利率在36%以上,索要超过合法部分的债务及利息构成敲诈勒索罪;裸照系公民个人信息,出售裸照、隐私信息构成侵犯公民个人信息罪;传播、出售债务人裸照构成侮辱罪,虽有合同的表象,系被害人自陷风险,仍应构成侮辱罪。
[Abstract]:New Internet financial innovation products, such as campus network lending platform, should not indulge blindly, nor completely ignore demand to suppress. Its risk should be clarified and identified, prevention and management should be targeted, and criminal law should be dealt with if necessary. The campus network lending platform is a financial information intermediary with neutrality, but it may be exposed to the risk of alienation. The crime of spreading or selling naked photographs of the debtor and threatening his repayment of debts constitutes the crime of spreading obscene articles; the borrower shall be coerced into paying off debts and interest by using public nude photos, which shall be determined according to the nature of the debt and interest, and the interest rate of 24% or less is a lawful act of safeguarding rights, The interest rate of between 24% and 36% does not constitute a crime in principle. If the interest rate is over 36%, the demand for debts and interest in excess of the legal portion constitutes a crime of extortion; the naked photograph is the personal information of a citizen, and the naked photo is sold. Privacy information constitutes the crime of infringing on citizens' personal information, and the dissemination and sale of naked photographs of the debtor constitutes an insult crime, although there is the appearance of the contract, which is the victim's own risk, it should still constitute the crime of insult.
【作者单位】：华东政法大学法律学院;
【基金】：华东政法大学法律学院2017年研究生创新能力培养专项资金项目“网络财产犯罪的刑事法治问题研究”(B2017015)研究成果
【分类号】：D924.3

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