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高利转贷罪的中间路线探索

Cognizance of the Crime of Usury Transferring Loan Under the New Situation

Advance in Law / 2021,3(3): 168-181 / 2021-06-28 668 699

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• Authors: 王承业     
• Information:

  中南财经政法大学法律硕士教育中心，武汉

• Keywords: On-lending Usury; Recognition Standard; Financial Institutions; Credit Funds; Credit Loans; Secured Loans 高利转贷；认定标准；金融机构；信贷资金；信用贷款；担保贷款
• Abstract: The crime of on-lending usury has the characteristics of extremely concealed behavior, difficult to investigate, and difficult to produce evidence, and there are many different views on the determination of certain standards in the law. Therefore, not only the first conviction of on-lending usury has generally appeared in the judicial practice of various regions. At a later date, even the few guilty verdicts as a whole showed a very obvious feature of mitigation. As a result, the crime of usury on loan has become more and more tasteless. By analyzing, summarizing, and clarifying the relevant identification standards of this crime, helping to promote the identification of this crime in judicial practice, it has important practical significance for playing the role of this crime. In addition, considering that the domestic financial environment has undergone major changes today, it is also necessary to narrow the scope of this crime. 高利转贷罪由于存在着实施行为极为隐蔽、难以查处、难以举证等特点，加之法条中关于一些标准的认定存在诸多不同观点，故各地司法实践中，不仅首起高利转贷定罪案件普遍出现的较晚，即使是仅有的少量有罪判决，整体上也呈现出了十分明显的轻缓化特点。如此一来，高利转贷罪的存在愈发显得鸡肋。通过分析、归纳、总结明确本罪的相关认定标准，帮助推动司法实务对本罪的认定，对发挥出本罪应有的作用具有重要的现实意义。此外，考虑到如今国内金融环境已经发生重大变化，缩小本罪的认定范围也显得颇为必要。
• DOI: https://doi.org/10.35534/al.0303018
• Cite: 王承业．高利转贷罪的中间路线探索［J］．法学进展，2021，3（3）：168-181．