民刑交叉案件中民间借贷合同效力认定问题研究——以《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》为视角

Validity of Contract of Private Loans in the Intersecting Criminal and Civil Cases——Analysis Based on the Judicial Interpretation on the Application of Law in the Trial of the Case of Private Lending Issued by the Supreme People's Court

民刑交叉案件中民间借贷合同效力认定问题相当复杂。民法刑法价值功能不同,对同一法律事实引起的不同法律后果应依据不同法律进行评价。区分不同类型的民间借贷合同,其中涉及市场准入类犯罪的民间借贷合同原则有效;违法转贷行为所涉民间借贷合同原则无效。最高人民法院新颁布的《民间借贷司法解释》确立了涉罪合同并非当然无效的原则。

It is a difficult issue in affirming the validity of contract of private loans, to proceed with theIntersecting Criminal and Civil Cases. Since the differences of value and function between civil law and criminal law, we should judge the legal consequences by the different laws. The contract relating to crime of marketing access is valid in principle; however, the enlending unlawfully is invalid in principle. The Judicial Interpretation on the application of law in the trial of the case of private lending issued by the Supreme People＇s Courtestablishes the principle, which means the contract relating to crime isn＇t necessarily invalid.