增设“发放高利贷罪”:依据与条文设计

Adding the Crime of Usury:the Justification and Legal Provisions

“高利贷”活动侵害了我国金融秩序这一重要法益,需要刑法予以关注。《关于办理非法放贷刑事案件若干问题的意见》所确立的以非法经营罪规制非法放贷的模式虽然为司法实践提供了参考标准,但是可能造成定罪量刑的不当,存在违反刑法基本原则的问题。基于保护金融秩序法益和维护刑法内部体系协调的考虑,作者参考并研究了域外治理经验,提出了我国刑法增设“发放高利贷罪”的建议,为精准打击情节严重的发放高利贷行为,实现对“高利贷”的有效治理。

Private usury in China has seriously infringed upon the important legal interest of financial order,which needs more attention fromthe criminal field.Although the Opinions on Several Issues Concerning the Handling of Criminal Cases of Illegal Lending clarified that some usury acts should be regulated by the crime of illegal business operations,which provided a reference standard for judicial practice,but it may result in improper conviction and sentencing and violate the basic principles of criminal law.To protect the legal interest and maintain the coordination of criminal law,it is necessary to add the crime of usury in criminal code,which helps to achieve effective governance of private usury activities.