CAJ | 학술논문

高利贷行为在本质上是一种民间借贷行为,不属于《非法金融机构和非法金融业务活动取缔办法》中的＂非法发放贷款＂,也不能被解释为刑法第225条中的＂其他严重扰乱市场经济秩序的非法经营行为＂,将高利贷行为认定为非法经营罪违反了形式判断先于实质判断的定罪规则,在定罪作业过程中,先进行实质判断而入罪,有悖罪刑法定,破坏了法治原则。
고리대행위재본질상시일충민간차대행위,불속우《비법금융궤구화비법금융업무활동취체판법》중적＂비법발방대관＂,야불능피해석위형법제225조중적＂기타엄중우란시장경제질서적비법경영행위＂,장고리대행위인정위비법경영죄위반료형식판단선우실질판단적정죄규칙,재정죄작업과정중,선진행실질판단이입죄,유패죄형법정,파배료법치원칙。
Loans that have usurious interest attached is private lending essentially, so it doesn＇t belong to the illegal granting of loans that regulated by Measures of formulating for the purposes of banning illegal financial institutions and illegal financial business operations, and it can＇t be explained into the other illegal operations that seriouslydisrupt market order which regulated by the article 225 of Criminal Law of the People＇ s Republic of China. These some viewpoints which loans that have usurious interest attached constitute crime of illegal transaction, but these viewpoints violate the rule that formal estimation precede over the virtual estimation. The virtual estimation first violates the principle of crimes and punishment stipulated by law and destroy the rule of law.