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最近几年,P2P网络借贷、融资租赁、私募基金、股权众筹等新兴金融业态的快速发展。由于非专业人士对这些新兴业务认识的不足,国内没有完善的监督管理机制,导致行业内不断出现涉嫌非法集资、集资诈骗、骗取银行贷款等各式各样的违法犯罪行为。一旦该类犯罪嫌疑人被追究刑事责任,其之前所签订的一系列借款、担保、委托贷款、投资协议等等文件,犹如多米诺骨牌倒下一样产生连锁的反应。合同效力的确认、担保权的实现、善意第三方的权益保障等等法律问题随之而来!笔者在代理了一个类似的案件过程中发现司法实践中,各级法院对待因刑事案件导致的民事合同的效力认定存在不同意见或是决然相反的法律观点,导致同类型案件得到定性完全相反的判决结果。故笔者从司法实践中结合自己的观点试着论述下——刑民交叉中的合同效力问题。
In recent years, P2P network lending, financial leasing, private equity funds, crowdfunding and other emerging financial services rapid development. Due to lack of understanding of these emerging businesses by non-professionals, there is no sound supervision and management mechanism in China, which has led to various illegal and criminal acts involving illegal fund-raising, fund-raising and fraud, and bank loan fraud in the industry. Once such criminal suspects are held criminally liable, the series of loans, guarantees, entrusted loans, investment agreements and other documents signed before are like a chain reaction when the dominoes fall down. The validity of the contract, the realization of the security right, the protection of the rights and interests of the bona fide third party, and so on. The author, in the course of acting as a similar agent, found that in judicial practice, the courts at all levels treat civil cases caused by criminal cases The validity of the contract determines that there are different opinions or contradictory legal opinions, resulting in qualitatively and completely opposite judgments of the same type of cases. Therefore, the author tries to discuss the validity of the contract under the criminal-civilian crossings from the perspective of judicial practice.