【摘要】：民間借貸是作為相對于正規(guī)金融機構(gòu)而言的民間資金融通活動。當前,我國的民間借貸用途由過去主要集中在生活消費領(lǐng)域向生產(chǎn)領(lǐng)域快速發(fā)展,借貸規(guī)模呈日益擴大趨勢,民間借貸引發(fā)的訴訟案呈高發(fā)態(tài)勢,而且合法借貸與涉及民間借貸違法犯罪魚龍混雜。要對民間借貸與相關(guān)犯罪問題進行區(qū)分,民間借貸與非法吸收公眾存款罪的區(qū)別主要在于參與主體不同、主觀目的不同和危害后果不同;民間借貸與集資詐騙罪的區(qū)別主要在于針對對象不同、主觀目的不同和危害后果不同。當前急需對民間借貸的法律進行完善,我們應(yīng)當制定《民間借貸適用法》,按計劃逐步修改《中華人民共和國合同法》和《中華人民共和國擔保法》以及《中華人民共和國民法通則》等民事法律法規(guī),增設(shè)高利放貸罪明確借款利率上限,修改刑法中集資詐騙罪和非法吸收公眾存款罪的相關(guān)條文。與此同時,國家增強民間借貸的相關(guān)監(jiān)管措施、積極預(yù)防相關(guān)犯罪,明確金融監(jiān)督管理部門針對民間借貸的監(jiān)管職責,建立民間融資的實時監(jiān)測制度、信息統(tǒng)計與信息共享制度,依照法律防范和打擊涉及民間借貸觸犯國家秩序和刑法的相關(guān)犯罪行為。
[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.
【學(xué)位授予單位】：煙臺大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：D924.3

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本文編號：2291105