论非法放贷行为以非法经营罪论处的正当性

On the Justification of Illegal Lending Behaviors to be Punished by the Crime of Illegal Business Operation

高利贷作为一种民间借贷方式,是社会筹资渠道的重要补充。为了让民间资本更好地服务于经济社会发展,需要对民间借贷进行严格区分,对正常的民间借贷行为要给予有效保护,充分尊重借贷双方真实的意思自治和契约自由;对以营利为目的,并以发放高利贷为业且情节严重的经营性非法放贷行为要进行刑法规制。对非法放贷行为以非法经营罪定罪处罚,具有合法、合理的正当性,有利于打击高利贷野蛮发展态势,预防高利贷衍生犯罪,规范金融市场秩序,维护社会和谐稳定。

As a private borrowing method,usury is an important supplement to social financing channels.In order to let private capital better serve economic and social development,it is necessary to strictly distinguish private borrowing,to effectively protect normal private borrowing and lending behavior,and to fully respect the real autonomy and contractual freedom of both borrowers and lenders;illegal business lending activities that are based on usury and bring serious outcomes,with profit-making purposes,must be subject to criminal regulations.The conviction of illegal lending illegal lending activities as illegal business operation is lawful and reasonable,which is beneficial to combat the barbaric development of usury,prevent usury-derived crimes,regulate financial market order,and maintain social harmony and stability.