本文關(guān)鍵詞： 民間借貸 高利貸 增設(shè) 職業(yè)發(fā)放高利貸罪　出處：《南京師范大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：當(dāng)下中國,民間借貸及時有效地滿足了經(jīng)濟快速發(fā)展過程中中小企業(yè)對資金的需求,彌補了正規(guī)金融借貸市場的不足,維持了資金市場的供需平衡,已然成為我國民間個體和企業(yè)最重要的融資渠道之一,地位舉足輕重。 然而,民間借貸中的高利貸因為伴隨著極高的利潤,使得越來越多的人投身其中,為追逐利益,非法入侵住宅、非法拘禁、綁架、故意殺人、故意傷害等高利貸案件頻繁發(fā)生,不僅擾亂我國的金融秩序,給市場經(jīng)濟帶來危害,而且對人民群眾的生命財產(chǎn)安全造成嚴(yán)重威脅。其中,影響最為惡劣,給社會帶來最大危害的就是職業(yè)發(fā)放高利貸的行為。職業(yè)發(fā)放高利貸將高息借貸進行產(chǎn)業(yè)化發(fā)展,涉黑涉惡,已然成為社會毒瘤。 因此,將職業(yè)發(fā)放高利貸行為納入刑法進行調(diào)整,增設(shè)職業(yè)發(fā)放高利貸罪具有理論上的合理性以及立法意義上合法性。增設(shè)職業(yè)發(fā)放高利貸罪并非是對民間借貸的否定,而是僅僅打擊民間借貸中的不合法的高利貸行為,是有針對性的對嚴(yán)重危害社會的犯罪行為的打擊,是在保障市場主體的財產(chǎn)權(quán)利與融資自由權(quán)利的基礎(chǔ)上進行的必要制約。同時,以刑法高度懲治高利貸犯罪,也是我國對高利貸行為的民行、刑事規(guī)制體系的進一步完善,是我國法制不斷發(fā)展進步的表現(xiàn)。
[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.
【學(xué)位授予單位】：南京師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：D924.3

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本文編號：1469296