| 英文摘要 |
Through analyzing the historical evolution of the “elaborately-planned loans” regulatory policy, it is found that under this broad title there are various types of illegal and criminal acts and usury contracts, which should have been evaluated by different laws. Under the interpretation of local policy makers, the originally vague concept has become more extensive in the application of the law, resulting in the alienation of the boundary between the criminal and the civil law. On the other hand, the idea of trying to control the professional usury group through the crime of illegal business operation has instead intensified the root of the “elaborately-planned loans” crime, which is the scarcity of private financial supply. The expansion tendency of criminal identification in the tendency of campaign governance should be corrected in time, the channels of civil relief and administrative supervision should be widened to regulate debt collection, and a mature private lending market should be cultivated to reduce financing costs. |
