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近年来,受世界金融危机的影响,国家货币紧缩,资本市场融资困难,民间融资十分活跃。民间借贷行为的不规范,加上缺乏市场监管和法律保障,民间借贷类案件数量节节攀升,甚至与非法吸收公众存款、集资诈骗等犯罪行为相互纠缠,刑民交叉日益突出。相关法律制度的缺失和不完善,给法院的审理带来诸多难题。一、审判实践典型案例2006年1月至2011年9月间,廖某谎称其投资经营公司,生意大、赚钱多,需要资金周转等理由,以每月1.5%~4.2%的高利息及高红利为诱饵,骗取20名被害人累计1616.8万元的资金。2011年下半年,在无法偿还的情况下,廖某
In recent years, under the influence of the world financial crisis, the national currency has been tightening and capital market financing has been difficult. Private financing has been very active. Due to the non-standardization of non-government loans and the lack of market supervision and legal protection, the number of non-government loan cases has risen steadily and even entangled with criminal activities such as illegal deposits from the public and fund-raising fraud. The absence and imperfection of relevant legal systems have brought many challenges to the courts. I. Typical Cases of Trial Practice During the period from January 2006 to September 2011, Liaomou lied to justify investing in companies, making big business, making more money and requiring capital turnover. With a high interest rate of 1.5% -4.2% per month High bonuses for the bait, cheating 20 victims total 16,168,000 yuan of funds. In the second half of 2011, in the case of non-repayment, Liaomou