摘要
民间借贷作为非正规金融的重要组成部分，在我国经济社会发展中发挥着不可忽视的作用，但其与非法集资等犯罪行为的界限模糊，导致民法与刑法在该领域的交叉适用问题复杂。本研究旨在探讨民间借贷中民法与刑法的交叉适用，以期为司法实践提供理论支持。通过对国内外相关文献的梳理，结合我国现行法律法规及司法解释，运用实证分析、比较研究等方法，深入剖析民间借贷纠纷案件，发现当前存在法律界定不清晰、司法裁判标准不统一等问题。研究结果表明，应明确区分民事借贷与刑事犯罪的标准，构建合理的衔接机制。创新之处在于提出从主体资格、资金来源、用途等方面综合判断是否构成犯罪，并建议完善立法，细化相关规定，强化监管，促进民间借贷健康发展，维护金融市场秩序和社会稳定，为解决此类案件提供了新的思路和方法，对推动我国法治建设具有重要意义。
关键词：民间借贷；民刑交叉；法律界定
Abstract
Folk lending, as a crucial component of informal finance, plays an indispensable role in the socio-economic development of our country. However, its blurred boundaries with illegal fundraising and other criminal activities complicate the intersection and application of civil law and criminal law in this domain. This study aims to explore the intersection and application of civil and criminal law in folk lending cases, providing theoretical support for judicial practice. By reviewing relevant domestic and international literature, combining it with current laws, regulations, and judicial interpretations in China, and employing methods such as empirical analysis and comparative research, this study conducts an in-depth examination of disputes arising from folk lending. It identifies issues such as unclear legal definitions and inconsistent judicial adjudication standards. The findings indicate that clear criteria should be established to differentiate between civil loans and criminal offenses, along with the construction of a rational coordination mechanism. An innovative aspect of this research is the proposal to comprehensively evaluate whether an act constitutes a crime based on factors such as the qualifications of the parties involved, the source of funds, and their intended use. Additionally, it recommends improving legislation by refining relevant provisions, strengthening supervision, and promoting the healthy development of folk lending to maintain financial market order and social stability. This study offers new approaches and methods for resolving such cases, contributing significantly to the advancement of the rule of law in our country.
Keywords：Private Lending; Civil And Criminal Intersection; Legal Definition
目 录
摘要 I
Abstract II
一、绪论 1
(一) 民间借贷交叉适用的研究背景 1
(二) 研究民间借贷交叉适用的意义 1
(三) 国内外研究现状综述 1
(四) 本文的研究方法概述 2
二、民法与刑法在民间借贷中的界定 2
(一) 民间借贷的民法属性分析 2
(二) 民间借贷涉及的刑法问题 3
(三) 民法与刑法边界的厘清 4
三、民间借贷中民事责任与刑事责任的认定 4
(一) 民事责任的构成要件 4
(二) 刑事责任的认定标准 5
(三) 两种责任竞合的情形 6
四、民间借贷纠纷处理中的法律适用 7
(一) 法律适用的原则探讨 7
(二) 民法优先适用的考量 7
(三) 刑法介入的条件分析 8
结 论 9
参考文献 10
民间借贷作为非正规金融的重要组成部分，在我国经济社会发展中发挥着不可忽视的作用，但其与非法集资等犯罪行为的界限模糊，导致民法与刑法在该领域的交叉适用问题复杂。本研究旨在探讨民间借贷中民法与刑法的交叉适用，以期为司法实践提供理论支持。通过对国内外相关文献的梳理，结合我国现行法律法规及司法解释，运用实证分析、比较研究等方法，深入剖析民间借贷纠纷案件，发现当前存在法律界定不清晰、司法裁判标准不统一等问题。研究结果表明，应明确区分民事借贷与刑事犯罪的标准，构建合理的衔接机制。创新之处在于提出从主体资格、资金来源、用途等方面综合判断是否构成犯罪，并建议完善立法，细化相关规定，强化监管，促进民间借贷健康发展，维护金融市场秩序和社会稳定，为解决此类案件提供了新的思路和方法，对推动我国法治建设具有重要意义。
关键词：民间借贷；民刑交叉；法律界定
Abstract
Folk lending, as a crucial component of informal finance, plays an indispensable role in the socio-economic development of our country. However, its blurred boundaries with illegal fundraising and other criminal activities complicate the intersection and application of civil law and criminal law in this domain. This study aims to explore the intersection and application of civil and criminal law in folk lending cases, providing theoretical support for judicial practice. By reviewing relevant domestic and international literature, combining it with current laws, regulations, and judicial interpretations in China, and employing methods such as empirical analysis and comparative research, this study conducts an in-depth examination of disputes arising from folk lending. It identifies issues such as unclear legal definitions and inconsistent judicial adjudication standards. The findings indicate that clear criteria should be established to differentiate between civil loans and criminal offenses, along with the construction of a rational coordination mechanism. An innovative aspect of this research is the proposal to comprehensively evaluate whether an act constitutes a crime based on factors such as the qualifications of the parties involved, the source of funds, and their intended use. Additionally, it recommends improving legislation by refining relevant provisions, strengthening supervision, and promoting the healthy development of folk lending to maintain financial market order and social stability. This study offers new approaches and methods for resolving such cases, contributing significantly to the advancement of the rule of law in our country.
Keywords：Private Lending; Civil And Criminal Intersection; Legal Definition
目 录
摘要 I
Abstract II
一、绪论 1
(一) 民间借贷交叉适用的研究背景 1
(二) 研究民间借贷交叉适用的意义 1
(三) 国内外研究现状综述 1
(四) 本文的研究方法概述 2
二、民法与刑法在民间借贷中的界定 2
(一) 民间借贷的民法属性分析 2
(二) 民间借贷涉及的刑法问题 3
(三) 民法与刑法边界的厘清 4
三、民间借贷中民事责任与刑事责任的认定 4
(一) 民事责任的构成要件 4
(二) 刑事责任的认定标准 5
(三) 两种责任竞合的情形 6
四、民间借贷纠纷处理中的法律适用 7
(一) 法律适用的原则探讨 7
(二) 民法优先适用的考量 7
(三) 刑法介入的条件分析 8
结 论 9
参考文献 10
