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四部门联合规范民间借贷行为 这些非法借贷将被严打
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Topic: 四部门联合规范民间借贷行为 这些非法借贷将被严打 (Read 101 times)
Faith511
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四部门联合规范民间借贷行为 这些非法借贷将被严打
May 11, 2018, 01:10:16 PM
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导语:通知明确,民间借贷活动必须遵守国家法律法规规定,遵循自愿互助诚实信用原则。出借人的资金必须为合法收入的自有资金,禁止吸收或变相吸收他人资金。
通知明确,民间借贷活动必须遵守国家法律法规规定,遵循自愿互助诚实信用原则。出借人的资金必须为合法收入的自有资金,禁止吸收或变相吸收他人资金。
日前,中国银行保险监督管理委员会会同公安部、国家市场监督管理总局、中国人民银行,联合印发了《关于规范民间借贷行为维护经济金融秩序有关事项的通知》,要求各有关方面充分认识规范民间借贷行为的必要性和暴力催收的社会危害性,对相关非法行为进行严厉打击,维护经济金融秩序和社会稳定。
通知明确,民间借贷活动必须严格遵守国家法律法规的有关规定,遵循自愿互助、诚实信用的原则。出借人的资金必须是其合法收入的自有资金,禁止吸收或变相吸收他人资金。
根据通知,对利用非法吸收公众存款、变相吸收公众存款等非法集资资金发放民间贷款,以故意伤害、非法拘禁、侮辱、恐吓、威胁、骚扰等非法手段催收民间贷款,以及套取银行业金融机构信贷资金,再高利转贷等违反治安管理规定的行为或涉嫌犯罪的行为,公安机关应依法进行调查处理,并将非法发放民间贷款活动的相关材料移送银行业监督管理机构。对银行业金融机构从业人员参与非法金融活动的,银行业金融机构应当予以纪律处分,构成犯罪的,依法严厉追究刑事责任。
银保监会有关负责人表示,民间借贷发生纠纷,应当按照《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》处理。未经有权机关依法批准,任何单位和个人不得设立从事或者主要从事发放贷款业务的机构或以发放贷款为日常业务活动。
通知要求,有关方面要坚持依法治理、标本兼治、多方施策、疏堵结合的原则,引导民间资金健康有序流动。堵,包括“四严厉、一严禁”:严厉打击利用非法吸收公众存款、变相吸收公众存款等非法集资资金发放民间贷款;严厉打击以故意伤害、非法拘禁、侮辱、恐吓、威胁、骚扰等非法手段催收贷款;严厉打击套取金融机构信贷资金,再高利转贷;严厉打击面向在校学生非法发放贷款,发放无指定用途贷款,或以提供服务、销售商品为名,实际收取高额利息(费用)变相发放贷款行为;严禁银行业金融机构从业人员作为主要成员或实际控制人,开展有组织的民间借贷。
疏,强调金融行业要切实改进服务。各银行业金融机构,以及经有关部门批准的、可发放贷款或融资的小额贷款公司等机构应当合法合规经营,强化服务意识,采取切实措施,开发面向不同群体的信贷产品。改进金融服务,加大对实体经济的资金支持力度,为实体经济发展创造良好的金融环境,有效疏通金融服务实体经济渠道,服务供给侧结构性改革。
民间借贷活动情况复杂、涉及方面多,容易发生监管空白。
通知明确,按照《中华人民共和国银行业监督管理法》《中华人民共和国商业银行法》等规定,地方人民政府以及有关部门要加强协调配合,依法履行职责。银行业监督管理机构、公安机关、工商和市场监管部门、人民银行等有关单位采取各种有效方式向广大人民群众宣传国家金融法律法规和信贷规则。及时向社会公布典型案例,加大宣传教育力度,强化风险警示,增强广大人民群众的风险防范意识,引导自觉抵制非法民间借贷活动。
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