“民间高利贷”的性质界定与刑法规制

On the Nature and Criminal Law Regulation of the " Folk Usury "

"民间高利贷"属于一种违法的民间借贷行为,但不宜入罪,将"民间高利贷"按照刑法分则中规定的非法经营罪予以定罪量刑有违罪刑法定原则。但高利借贷的过程中经常会引发其他的犯罪行为,借贷的"前行为"有可能触犯非法吸收公众存款罪、集资诈骗罪,"后行为"有可能触犯故意伤害罪、敲诈勒索罪、非法拘禁罪等等。目前,我国刑法不宜增设高利贷犯罪,对于"民间高利贷"应当进行合理的引导和规制。

＂Folk usury＂ is an illegal private lending action, but it is not a crime. The practice of regarding the usury as a crime of illegal business operations does not conform to the requirements of the principle of legality. Yet such usury does cause some crimes such as illegally sucking in public deposits and the crime of fraud in money raising and extortion and so on. At present, we should reasonably regulate the usury instead of adding it to our criminal law.