【作者】 赵健；

【导师】 任玲； 李健；

【作者基本信息】 辽宁科技大学 ， 法律（非法学）， 2025， 硕士

【摘要】 刑民交叉案件中民间借贷合同的效力认定过程中问题,因涉及刑法与民法的规范冲突与价值调和,成为司法实践与理论研究的焦点。本文以非法集资类案件为研究对象,通过案例分析、比较研究与规范分析,系统探讨刑民交叉案件处理模式对合同效力的影响机制。研究发现,现行司法实践中存在“同一事实”标准模糊、“先刑后民”模式泛化适用、刑事裁判对合同效力的过度穿透等核心问题,其根源在于公权优先的传统理念与民刑法律评价体系的割裂。本文提出,应以类型化思维重构“同一事实”的认定标准,限缩“先刑后民”模式的适用范围,明确“刑民并行”作为主导程序;同时引入“资金用途分类”作为合同效力判定的核心依据,通过区分产业运营、资本运营及生活消费三类资金流向,结合“约定用途”与“实际用途”的复合审查,平衡金融秩序维护与私法自治的价值冲突。此外,建议通过司法解释细化“非法占有目的”的认定规则,激活竞合条款的适用,并探索区块链技术对资金流向的追踪功能,以增强司法审查的客观性。更多还原

【Abstract】 The determination of private lending contract validity in criminal-civil cross cases,involving normative conflicts and value reconciliation between criminal and civil law,has emerged as a critical focus in judicial practice and theoretical research.Centering on illegal fundraising cases,this study employs case analysis,comparative research,and normative methods to systematically examine how criminal-civil procedural interactions influence contractual validity.Findings identify persistent challenges in judicial practice:ambiguity in the"same factual basis"standard,overextension of the"criminal procedure precedes civil procedure"model,and excessive infiltration of criminal judgments into civil validity assessments—issues rooted in traditional public authority prioritization and fragmented civil-criminal legal evaluations.To address these,the thesis proposes reconstructing factual criteria through categorical analysis,limiting"criminal-first"applications,and establishing"parallel proceedings"as the default framework.It further introduces a"fund-usage classification"system(categorizing flows as production,capital operations,or personal consumption)that integrates"intended-actual use"dual review to balance financial regulation and private autonomy.Additional recommendations include refining judicial interpretations of"illegal possession intent,"activating concurrent legal provisions,and leveraging blockchain technology for fund-tracing to enhance judicial objectivity.更多还原