民间借贷与相关犯罪问题研究
发布时间：2018-10-24 10:20
【摘要】：民间借贷是作为相对于正规金融机构而言的民间资金融通活动。当前,我国的民间借贷用途由过去主要集中在生活消费领域向生产领域快速发展,借贷规模呈日益扩大趋势,民间借贷引发的诉讼案呈高发态势,而且合法借贷与涉及民间借贷违法犯罪鱼龙混杂。要对民间借贷与相关犯罪问题进行区分,民间借贷与非法吸收公众存款罪的区别主要在于参与主体不同、主观目的不同和危害后果不同;民间借贷与集资诈骗罪的区别主要在于针对对象不同、主观目的不同和危害后果不同。当前急需对民间借贷的法律进行完善,我们应当制定《民间借贷适用法》,按计划逐步修改《中华人民共和国合同法》和《中华人民共和国担保法》以及《中华人民共和国民法通则》等民事法律法规,增设高利放贷罪明确借款利率上限,修改刑法中集资诈骗罪和非法吸收公众存款罪的相关条文。与此同时,国家增强民间借贷的相关监管措施、积极预防相关犯罪,明确金融监督管理部门针对民间借贷的监管职责,建立民间融资的实时监测制度、信息统计与信息共享制度,依照法律防范和打击涉及民间借贷触犯国家秩序和刑法的相关犯罪行为。
[Abstract]:Private lending is a private financing activity relative to formal financial institutions. At present, the use of private loans in our country has developed rapidly from the past mainly concentrated in the field of living and consumption to the field of production. The scale of borrowing has shown an increasing trend, and the litigation cases triggered by private lending are in a high incidence. And legal lending and involved in private lending and illegal crime mixed. In order to distinguish between folk loan and related crime, the difference between folk loan and crime of illegally absorbing public deposits mainly lies in the different participants, the different subjective purpose and the different harmful consequences. The difference between private borrowing and the crime of raising funds mainly lies in the different object, the different subjective purpose and the different harmful consequences. At present, there is an urgent need to improve the law on private lending. We should formulate the applicable Law on Folk loans and loans, and gradually amend the Civil laws and regulations such as the contract Law of the people's Republic of China, the guarantee Law of the people's Republic of China and the General principles of Civil Law of the people's Republic of China as planned. To set the upper limit of interest rate for the crime of high-interest lending and to amend the relevant provisions of the criminal law concerning the crime of raising funds and defrauding money and illegally taking deposits from the public. At the same time, the state has strengthened the relevant regulatory measures for private lending, actively prevented related crimes, clarified the supervisory responsibilities of financial supervision and management departments for private lending, and established a real-time monitoring system for private financing. Information statistics and information sharing system, in accordance with the law to prevent and crack down on folk loans against the state order and criminal law related crimes.
【学位授予单位】：烟台大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D924.3
本文编号：2291105
[Abstract]:Private lending is a private financing activity relative to formal financial institutions. At present, the use of private loans in our country has developed rapidly from the past mainly concentrated in the field of living and consumption to the field of production. The scale of borrowing has shown an increasing trend, and the litigation cases triggered by private lending are in a high incidence. And legal lending and involved in private lending and illegal crime mixed. In order to distinguish between folk loan and related crime, the difference between folk loan and crime of illegally absorbing public deposits mainly lies in the different participants, the different subjective purpose and the different harmful consequences. The difference between private borrowing and the crime of raising funds mainly lies in the different object, the different subjective purpose and the different harmful consequences. At present, there is an urgent need to improve the law on private lending. We should formulate the applicable Law on Folk loans and loans, and gradually amend the Civil laws and regulations such as the contract Law of the people's Republic of China, the guarantee Law of the people's Republic of China and the General principles of Civil Law of the people's Republic of China as planned. To set the upper limit of interest rate for the crime of high-interest lending and to amend the relevant provisions of the criminal law concerning the crime of raising funds and defrauding money and illegally taking deposits from the public. At the same time, the state has strengthened the relevant regulatory measures for private lending, actively prevented related crimes, clarified the supervisory responsibilities of financial supervision and management departments for private lending, and established a real-time monitoring system for private financing. Information statistics and information sharing system, in accordance with the law to prevent and crack down on folk loans against the state order and criminal law related crimes.
【学位授予单位】：烟台大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D924.3
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中国期刊全文数据库 前10条
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，本文编号：2291105
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