普惠金融视域下法律规制高利贷的困境与出路——兼论高利贷法律规制的民刑衔接

The Legalization of Usury in the Perspective of Pratt & Whitney Finance---Its Dilemmas and Solutions

以互联网金融为依托,我国传统民间借贷逐步异化,近期兴起的部分现金贷、裸条借贷类案件不仅具有畸高的借款利率,且以侵吞借款人私有财产或者组织借款人卖淫为目的。对此,司法机关既无法认定其借款合同无效,也无法通过诉讼程序对其定罪处罚。在现行法律对上述问题难以做出回应的情境下,解决我国民间借贷问题的基本出路在于通过修改相关法律、创制《反高利贷法》形成入罪合法化机制和利率控制机制,进而实现民刑相关法律的有效衔接,更好引导金融资源优化配置,以促进社会公义。

With Internet finance as the basis, China's traditional folk borrowing undergoes a gradual alienation. The recent cases of cash loan and nude loan not only aims at abnormal interest rates, but also encroaches on the borrower's private property or even forces borrowers to prostitute them selves. In such cases, the judiciary cannot judge the loan contract as invalid nor punish the litigants through litigation. Therefore, the fundamental solution of the private lending problem in China is to modify relevant laws, to issue The Anti-usury Law so as to form a criminalization mechanism and interest rate control mechanism, and then to connect the criminal law and civil law, and guide the optimal allocation of financial resources.