论民间借贷罪非罪-——兼论我国民间借贷刑法规制.pdf

2 论民间借贷的罪与非罪 中文摘要 论民间借贷的罪与非罪 ——兼论我国民间借贷的刑法规制 中文摘要 民间借贷在我国由来已久。近年来，随着我国经济的高速发展，国家为了应对 金融危机、防止通胀在宏观调控上采取了一系列控制信贷规模的措施，民间借贷市 场由此产生了资金供需两旺的现象，从而进入了迅猛发展阶段。但是由于我国传统 二元经济结构的根深蒂固，加之规制民间借贷市场法律和制度的零散化等原因，导 致民间借贷在发展的过程中呈现出了越来越大的犯罪异化倾向，给我国金融市场的 安全带来了潜在的危险。本文通过对民间借贷基本问题的阐述，简析其在我国经济 高速膨胀过程中异化为犯罪的主要原因，通过对其与刑法上 “非法吸收公众存款 罪”与 “集资诈骗罪”两个最为相近的概念进行界分，探讨民间借贷的罪与非罪状 态，并在此基础上试提出我国刑事法律如何对民间借贷异化为非法集资类犯罪进行 规制，以期能够一定程度上保障我国民间借贷市场在缺乏相关统一法律制度的规制 下的安全运行。 关键词：民间借贷；非法集资；非法吸收公众存款；集资诈骗；刑法规制 作 者：崔言畅 指导老师：李晓明 I Abstract OnthePrivateLending’sCrimeorNot OnthePrivateLending’sCrimeorNot ——andtheCriminalRegulationo PrivateLendinginChina Abstract Private lending has been presented in our country for a long time. In recent years, withtherapid economicdevelopmentinchina,inorderto conquerthe financialcrisisand to prevent the inflation, Chinese Government has taken a series o measures to control credit scaleinthemacro-control, itresults aphenomenon o booming demandandsupply o funds in private lending market, thus private lending enters an advanced stage o development. However, because o the deep-rooted tradition o dual economic structure, coupledwiththe fragmentationo private lendingmarket’slaws andregulations andwith other reasons, lead to a criminal tendency in the process o development about private lending, which brings Chinas financial markets’ security a potential danger. This paper describes the basic problem o private lending, analysis the main reasons o the criminal tendencyinitsadv