| 涉非法吸收公众存款案件中的合同效力问题研究 |
| |
| 引用本文： | 肖伟志,龚恒宇. 涉非法吸收公众存款案件中的合同效力问题研究[J]. 吉首大学学报(社会科学版), 2018, 39(4): 107. DOI: 10.13438/j.cnki.jdxb.2018.04.017 |
| |
| 作者姓名： | 肖伟志 龚恒宇 |
| |
| 作者单位： | （1.湘潭大学 信用风险管理学院，湖南 湘潭 411105;2.湘潭大学 法学院，湖南 湘潭 411105） |
| |
| 摘 要： | 涉非法吸收公众存款犯罪的民事案件主要是民间借贷案件。借款合同与保证合同的效力认定问题，超出了民法的阈限，触及到刑法评价与民法评价的关系这一根本，成了困扰民事审判的一大难题。对此，理论上与实践中存在两种针锋相对的方法论立场，即刑主民附论与刑民分离论。然而，这两种立场都有失偏颇。只有消除立场上的偏颇，才能将合同效力认定纳入正确的轨道。吸收资金不应被认定为违法所得，不应适用追缴或责令退赔。如此，由于追缴与责令退赔的适用所引发的刑民间评价矛盾及其对效力认定造成的干扰，才能被彻底消除。非法吸收公众存款犯罪是行政犯，合同违法性评价，应以《商业银行法》第11条第二款规定为根据。从规制对象来看，作为准入规制的《商业银行法》第11条，并不意在规制合同行为；依法益权衡而言，认定合同有效也并不阻碍该条规制目的之实现。因此，《商业银行法》第11条并非《合同法》第52条第（五）项意义上的强制性规定。对该条的违反，不应成为认定合同无效的理由。
|
| 关 键 词： | 非法吸收公众存款 刑民交叉 合同效力 违法所得 强制性规定 |
On the Validity of Contracts in Cases Involving Illegal Collection of Deposits from the Public |
| |
| XIAO Weizhi,GONG Hengyu. On the Validity of Contracts in Cases Involving Illegal Collection of Deposits from the Public[J]. Journal of Jishou University(Social Science), 2018, 39(4): 107. DOI: 10.13438/j.cnki.jdxb.2018.04.017 |
| |
| Authors: | XIAO Weizhi GONG Hengyu |
| |
| Affiliation: | (1.College of Credit Risk Management,Xiangtan University,Xiangtan 411105,Hunan China;2.College of Law,Xiangtan University,Xiangtan 411105,Hunan China) |
| |
| Abstract: | Civil cases involving the illegal collection of public deposits are mainly those involving private lending.It has become a difficult problem in civil trial that the validity determination of loan contract and guarantee contract goes beyond the threshold of civil law and touches upon the relationship between criminal law evaluation and civil law evaluation.In this regard,there are two opposing methodological standpoints in theory and practice,one holding criminal law first and civil law incidental,another thinking the separation of the two.However,both standpoints are biased.Only by eliminating the bias on the standpoints can the validity of the contracts be put on the correct track.The money that has been collected is not illegal acquisition so that the criminal measures for recovering or restituting should not be applied to the cases of illegal collection of public deposits.The crime of illegal collection of public deposits is not a"malum in se",but a "malum prohibitum".The validity of contracts involved should be judged on the base of the regulations in the Law of Commercial Bank (LCB).The Article 11 of the LCB is not intended to regulate the conduct of contract and approving the validity of related contract will not impede its progress.The Article 11 of the LCB is not a mandatory regulation in the sense of the Section 5 of the Article 52 of Contract Law,and the violation of it should not make the contracts void. |
| |
| Keywords: | illegal collection of public deposit criminal-civil crossed cases validity of contracts illegal acquisition mandatory regulations |
|
| 点击此处可从《吉首大学学报(社会科学版)》浏览原始摘要信息 |
|
点击此处可从《吉首大学学报(社会科学版)》下载全文 |
