【作者】 王林；

【导师】 王恒； 曾阳；

【作者基本信息】 西南科技大学 ， 民商法学（专业学位）， 2022， 硕士

【副题名】以刘某燕与青岛某投资有限公司民间借贷纠纷一案为例

【摘要】 倚着正规金融这个强大背景的不断完善和发展,民间借贷这股风也愈吹愈烈,并逐渐变成在正规金融市场环境下不可或缺的有益补充。有人的地方就有纠纷,作为人为兴起的产物,民间借款所形成的合同纠纷也是接踵而至,在此纠纷中,职业放贷人开始崭露头角,这类人不仅给市场经济带来了生机与活力,更是给市场经济带来了动荡与不安;因此加强对这类人的规制已经迫在眉睫,目前只有九民会议纪要给出了相应的认定标准,但是在实务中想要进行职业放贷人的认定,并进一步确认合同无效,操作起来难度很大,因为不仅存在取证困难的挑战还有很多职业放贷人擅长打擦边球,通过合法的形式来掩盖其真实的目的,导致目前实务中职业放贷都被当作普通的民间借贷予以处理,法官也最多在其过高的利息方面进行相应的限制。基于此,本文以刘某燕与青岛某投资有限公司民间借贷纠纷案件为例,首先归纳出案件争议焦点:1、某投资公司是否属于职业放贷人;2、刘某燕与某投资公司之间签订的借款合同是否有效;3、刘某泉等实际用款人是否需要对某投资公司承担还款义务;然后层层推进,根据现有的法律法规、司法解释、法学理论进行案件分析,并查找大量的实务案例,以此作为指引,最后得出结论,将本案原告认定为职业放贷并且接下来引出实务中大家可能会抛出的疑问并提出解决方案,最后回归本案结合现在司法系统内部对职业放贷的规制现状及案涉当事人举证证明职业放贷行为时可能陷入的困境,以期促进这方面立法和司法的完善和发展。更多还原

【Abstract】 As formal finance continues to improve and develop,the wind of private lending is blowing stronger and stronger,and is becoming an indispensable and useful addition to the formal financial environment.Where there are people,there are disputes,and as a product of man-made emergence,disputes arising from private lending have come one after another,in which professional moneylenders have begun to emerge.However,in practice,it is very difficult to identify professional moneylenders and to confirm the invalidity of the contract,because not only is there the challenge of difficult evidence,but also many professional moneylenders are good at playing the game of "rubbish",covering up their real purpose through legal forms,resulting in professional moneylenders being treated as ordinary private lending in practice,and the judge can at most impose a corresponding restriction on the excessive interest rate.The most that can be done is to limit the interest rate.Based on this,this paper takes the case of Liu Mouyan and a private lending dispute with Qingdao Investment Co,First,the focus of the case: 1.Whether an investment company is a professional lender;2.Whether the loan contract signed between Liu Mouyan and an investment company is valid;3.Liu Mouquan and other actual users need to assume the repayment obligations to an investment company;Then the case analysis according to the existing laws and regulations,judicial interpretations,legal theory,and find a large number of practical cases,as a guide,and finally concluded that the plaintiff in this case as a professional lending and then lead to the practice of the questions we may throw out and put forward solutions,and finally return to the case combined with the current status of the judicial system on the regulation of professional lending and the parties involved in the case to prove the professional lending behavior may fall into the In the end,we will return to the present case,taking into account the current state of regulation of professional money lending within the judicial system and the difficulties that the parties involved may encounter when proving professional money lending,with a view to promoting the improvement and development of legislation and justice in this area.更多还原