非法吸收公众存款罪所涉合同效力的认定——“吴国军案”评析（毕业论文Word版）.docx

摘要摘要近年来，民间借贷在解决中小企业融资问题上发挥重要作用的同时借款人涉嫌非法吸收公众存款罪的案件频发。这类案件具有涉案金额大、涉案人员多、社会影响恶劣的特点，合法合理地处理好此类案件意义重大。特别是当债务人构成非法吸收公众存款罪时，合同效力的认定对债权人利益的保护至关重要。学界目前存在“当然无效说”、“当然有效说”、“区别对待说”三种对立的观点，值得探讨。司法实务界对这一问题的争议也比较大，不同法院之间、同一法院内部不同法官之间处理此类案件的结果可能大相径庭，不利于法律权威的维护。最高人民法院公报案例“吴国军案”运用“量变质变论”解释民间借贷合同行为与非法吸收公众存款罪犯罪行为的联系与区别，认为“不能仅仅因犯罪而认定合同无效”；并对处理此类案件的“先刑后民”审判程序进行界定，提出“民刑并行”更适合此类案件的观点。本文通过对“吴国军案”进行评析，认为将量变质变的哲学原理运用到合同效力的认定上存在缺陷，需要进一步的学理展开。为此，本文从最具争议的强制性规定角度、国家利益和社会公共利益角度、“部门法自治”角度、刑法的谦抑性原则角度以及利益衡量原则角度对主合同的有效性进行分析；在此基础上，探讨债权人利益保护的该当性来为担保合同的有效性提供佐证；最后对“民刑并行”程序的具体运用提出建议。关键词 合同效力非法吸收公众存款罪效力性强制性规范民事评价体系IAbstractIn recent years, private lending plays an important role in solving the problems of financing difficulties of small and medium-sized enterprises. While the borrowers on suspicion of the crime of illegal absorbing deposits from the public frequent cases. The characteristics of these cases are large sums of money and more people have been involved also bring the bad social influence at the same time. It has great significance to handle such cases lawful and properly. Especially when the debtors have constitute the crime of illegal absorbing deposits from the public, the confirmation of the validity of the contract show its importance on protect the interests of the creditors. The academic existing three kinds of opposing views, they are worth exploring. The controversy of this issue in the judicial practice is relatively large. The results of handling this kind of cases may be quite different at the different courts or the same court but different judges. It is not conducive to the maintenance of the authority oflaw.Wu Guojun case is the bulletin cases of the Supreme Peoples Court. It use the quantitative change and qualitative change theory to explain the relations and differences between the behavior of private lending contracts and the crime of illegal deposits from the public. Which has decided that” the contract is not invalid just due to crime”. And define th