民间放高利贷行为入罪问题探讨

Discussion on the Criminalization of the Folk Usurious Lending Behavior

高利贷虽然对经济发展有一定的促进作用,但存在损害借贷人合法权益、滋生违法犯罪、扰乱金融秩序等社会危害性。目前学界对放高利贷行为是否应当犯罪化存在争议,现行刑法典对此也未明确,这就造成司法实践中对放高利贷行为惩治存在障碍。考虑到放高利贷行为适用非法经营罪存在问题,建议在《刑法》中增设放高利贷罪,对情节严重,需要追究刑事责任的放高利贷行为进行惩处,以体现罪刑法定和罪责刑相适应原则。

Although usury does play a role in promoting economic development,it also harms the lawful rights and interests of the borrowers,breeds crimes,and disrupts financial order.At present,there are different views among academics on whether to criminalize usury,and the current penal code is not clear on the issue.This has caused obstacles in punishing the activity.Considering the problems caused by punishing usury under the crime of illegal business operation,it is suggested adding the crime of the usurious lending in the criminal code and punish serious usurious lending activities that need to be investigated for criminal responsibility.This will be in the line with the principle of crimes and punishment stipulated by law and the principle of the crimes,responsibilities and punishments should be proportional.