新会首例！
<section data-role="outer" label="edit by 135editor" data-mpa-powered-by="yiban.io"><section data-role="paragraph"><p style="text-align:right;"><br/></p><section><section data-role="paragraph"><section data-role="outer" label="edit by 135editor"><section data-role="paragraph"><section data-role="outer" label="edit by 135editor"><section data-role="paragraph"><p style="outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 1.75em;font-family:system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;text-align:center;"><span style="font-size: 16px;">近日</span></p><p style="outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 1.75em;font-family:system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;text-align:center;"><strong><span style="font-size: 16px;color: rgb(217, 33, 66);">新会法院对一起涉年息</span></strong></p><p style="outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 1.75em;font-family:system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;text-align:center;"><strong><span style="font-size: 16px;color: rgb(217, 33, 66);">高达2800%的高利贷案作出判决</span></strong></p><p style="outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: #ffffff;line-height: 1.75em;font-family:system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;text-align:center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.034em;text-align: justify;font-size: 16px;">这也是新会首个判例</span></p><p style="text-align: center;"></p><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="137609"><section style="margin: 10px auto;background-color: #f4f8ff;"><section style="display: flex;align-items: center;"><section style="width: 50%;height: 3px;background: linear-gradient(to right, transparent, rgb(40, 191, 255));overflow: hidden;max-width: 50% !important;" data-width="50%"><br/></section><section style="flex-shrink: 0;display: flex;justify-content: center;"><section style="flex-shrink: 0;"><section style="width: 0px;height: 1px;border-top: 20px solid rgb(31, 92, 193);border-left: 5px solid transparent;overflow: hidden;"><br/></section></section><section style="background-color: rgb(31, 92, 193);padding: 5px 15px;border-radius: 0px 0px 10px 10px;"><section style="font-size: 16px;color: #ffffff;text-align: center;"><span style="font-size: 20px;"><strong>案情回顾</strong></span></section></section><section style="flex-shrink: 0;"><section style="width: 0px;height: 1px;border-top: 20px solid rgb(31, 92, 193);border-right: 5px solid transparent;overflow: hidden;"><br/></section></section></section><section style="width: 50%;height: 3px;background: linear-gradient(to left, transparent, rgb(40, 191, 255));overflow: hidden;max-width: 50% !important;" data-width="50%"><br/></section></section><section style="padding: 10px 12px 15px;"><section data-autoskip="1" style="line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: rgb(51, 51, 51);background-color: transparent;"><p><span style="font-size: 16px;">于2020年2月至2023年2月期间，</span><strong><span style="font-size: 16px;color: rgb(217, 33, 66);">李某违反国家规定，未经监管部门批准，以营利为目的，先后多次以超过36%的实际年利率向社会不特定对象发放贷款。</span></strong></p><p></p><p><span style="color: rgb(136, 136, 136);">图片为配图、与内容无关</span></p><p><span style="font-size: 16px;">经审计，</span><strong><span style="font-size: 16px;color: rgb(217, 33, 66);">李某累计向廖某等17人发放贷款227万余元，廖某等人实际已还总额255万余元，其中还本金额207万余元</span></strong><span style="font-size: 16px;">（部分本金尚未归还），利息48万余元，计算得实际发放年利率为40.53%至2800%。</span></p></section></section></section></section><section data-role="paragraph"><p style="text-align:center;"><span style="font-size: 16px;">另查明</span></p><p style="text-align:center;"><span style="font-size: 18px;"><strong><span style="color: rgb(217, 33, 66);">李某在家属的协助下</span></strong></span></p><p style="text-align:center;"><span style="font-size: 18px;"><strong><span style="font-size: 18px;color: rgb(217, 33, 66);">全额退出违法所得48万余元</span></strong></span></p></section><section data-tools="135编辑器" data-id="137609"><section style="margin: 10px auto;background-color: #f4f8ff;"><section style="display: flex;align-items: center;"><section style="width: 50%;height: 3px;background: linear-gradient(to right, transparent, rgb(40, 191, 255));overflow: hidden;max-width: 50% !important;" data-width="50%"><br/></section><section style="flex-shrink: 0;display: flex;justify-content: center;"><section style="flex-shrink: 0;"><section style="width: 0px;height: 1px;border-top: 20px solid rgb(31, 92, 193);border-left: 5px solid transparent;overflow: hidden;"><br/></section></section><section style="background-color: rgb(31, 92, 193);padding: 5px 15px;border-radius: 0px 0px 10px 10px;"><section style="font-size: 16px;color: #ffffff;text-align: center;"><span style="font-size: 20px;"><strong>法院审理认为</strong></span></section></section><section style="flex-shrink: 0;"><section style="width: 0px;height: 1px;border-top: 20px solid rgb(31, 92, 193);border-right: 5px solid transparent;overflow: hidden;"><br/></section></section></section><section style="width: 50%;height: 3px;background: linear-gradient(to left, transparent, rgb(40, 191, 255));overflow: hidden;max-width: 50% !important;" data-width="50%"><br/></section></section><section style="padding: 10px 12px 15px;"><section data-autoskip="1" style="line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: rgb(51, 51, 51);background-color: transparent;"><p><span style="font-size: 16px;">被告人李某违反国家规定，未经监管部门批准，以营利为目的，</span><strong><span style="font-size: 16px;color: rgb(217, 33, 66);">经常性地向社会不特定对象发放贷款，扰乱金融秩序，情节严重，其行为已构成非法经营罪。公诉机关指控的罪名成立。</span></strong></p><p><span style="font-size: 16px;">综合被告人的犯罪事实、情节、悔罪表现以及社会危险性考虑，法院采纳公诉机关的量刑建议，依法作出上述判决。</span></p></section></section></section></section><section data-role="paragraph"><p style="text-align:center;"><span style="font-size: 16px;">新会法院以非法经营罪</span></p><p style="text-align:center;"><strong><span style="font-size: 16px;color: rgb(217, 33, 66);">判处被告人李某犯有期徒刑一年二个月</span></strong></p><p style="text-align:center;"><strong><span style="font-size: 16px;color: rgb(217, 33, 66);">缓刑一年三个月</span></strong></p><p style="text-align:center;"><strong><span style="font-size: 16px;color: rgb(217, 33, 66);">并处罚金48万余元</span></strong></p><section data-tools="135编辑器" data-id="137609"><section style="margin: 10px auto;background-color: #f4f8ff;"><section style="display: flex;align-items: center;"><section style="width: 50%;height: 3px;background: linear-gradient(to right, transparent, rgb(40, 191, 255));overflow: hidden;max-width: 50% !important;" data-width="50%"><br/></section><section style="flex-shrink: 0;display: flex;justify-content: center;"><section style="flex-shrink: 0;"><section style="width: 0px;height: 1px;border-top: 20px solid rgb(31, 92, 193);border-left: 5px solid transparent;overflow: hidden;"><br/></section></section><section style="background-color: rgb(31, 92, 193);padding: 5px 15px;border-radius: 0px 0px 10px 10px;"><section style="font-size: 16px;color: #ffffff;text-align: center;"><span style="font-size: 20px;"><strong>法律依据</strong></span></section></section><section style="flex-shrink: 0;"><section style="width: 0px;height: 1px;border-top: 20px solid rgb(31, 92, 193);border-right: 5px solid transparent;overflow: hidden;"><br/></section></section></section><section style="width: 50%;height: 3px;background: linear-gradient(to left, transparent, rgb(40, 191, 255));overflow: hidden;max-width: 50% !important;" data-width="50%"><br/></section></section><section style="padding: 10px 12px 15px;"><section data-autoskip="1" style="line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: rgb(51, 51, 51);background-color: transparent;"><p><span style="font-size: 16px;">《最高人民法院、最高人民检察院、公安部、司法部关于办理非法放贷刑事案件若干问题的意见》（2019年10月21日施行）明确规定：违法国家规定，未经监管部门批准，或者超越经营范围，以营利为目的，经常性地向社会不特定对象发放贷款，扰乱金融市场秩序，情节严重的，依照刑法第二百二十五条第（四）项的规定，以非法经营罪定罪处罚。</span></p><p><strong><span style="font-size: 16px;color: rgb(217, 33, 66);">前款规定中的“经常性地向社会不特定对象发放贷款”，是指2年内向不特定多人（包括单位和个人）以借款或者其他名义出借资金10次以上。</span></strong></p><p><span style="font-size: 16px;">以超过36%的实际年利率实施前款中的非法放贷行为，</span><strong><span style="font-size: 16px;color: rgb(217, 33, 66);">个人非法放贷数额累计在200万元以上的，属于前款规定的情节严重，应追究刑事责任。</span></strong></p></section></section></section></section><p style="text-align:center;"><span style="font-size: 24px;"><strong><span style="font-size: 24px;color: rgb(217, 33, 66);">重要提醒</span></strong></span></p><section data-id="4852" data-tools="非找你编辑器" data-tools-id="74650" data-paddingleft="7" data-paddingright="7" style="padding-left: 7px;padding-right: 7px;"><section style="text-align: center;"><br/></section><section style="border-color: rgb(255, 169, 0);margin-top: -10px;border-style: solid;border-width: 1px;padding: 5px;"><section style="border-color: rgb(255, 169, 0);border-style: dashed;border-width: 1px;padding: 10px;"><section data-id="1683" data-tools="非找你编辑器" data-tools-id="59954"><section style="text-align: left;margin-top: 10px;margin-bottom: 10px;"><section style="display:inline-block;"><section style="display: flex;justify-content:center;align-items: center;"><section style="border-width: 1px;border-top-style: solid;border-color: rgb(122, 68, 66);border-bottom-style: solid;border-right-style: solid;display: inline-block;padding-right: 8px;padding-left: 8px;"><p><span style="color: rgb(122, 68, 66);font-size: 16px;">01</span></p></section><section style="border-width: 1px;border-top-style: solid;border-color: rgb(122, 68, 66);border-bottom-style: solid;display: inline-block;padding-right: 8px;padding-left: 8px;"><p style="letter-spacing: 2px;"><span style="font-size: 16px;"><strong><span style="color: rgb(80, 84, 86);">高利贷风险大</span></strong></span></p></section></section></section></section></section><section style="text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;">高利贷是一种非法的贷款服务，利息极高，且极易引发其他犯罪活动。这些不法分子常常利用人们急需资金的心理，引诱他们掉入陷阱。因此，若有资金需求，应向合法的金融机构申请，拒绝来历不明的机构或个人提出的贷款诱惑，避免陷入高息贷款陷阱，防止人身、经济权利遭受不法分子的侵害。</span></section><section data-id="1683" data-tools="非找你编辑器" data-tools-id="81827"><section style="text-align: left;margin-top: 10px;margin-bottom: 10px;"><section style="display:inline-block;"><section style="display: flex;justify-content:center;align-items: center;"><section style="border-width: 1px;border-top-style: solid;border-color: rgb(122, 68, 66);border-bottom-style: solid;border-right-style: solid;display: inline-block;padding-right: 8px;padding-left: 8px;"><p><span style="color: rgb(122, 68, 66);font-size: 16px;">02</span></p></section><section style="border-width: 1px;border-top-style: solid;border-color: rgb(122, 68, 66);border-bottom-style: solid;display: inline-block;padding-right: 8px;padding-left: 8px;"><p style="letter-spacing: 2px;"><span style="color: rgb(80, 84, 86);font-size: 16px;"><strong><span style="font-family: Helvetica, Arial, sans-serif;">警惕“砍头息”风险</span></strong></span></p></section></section></section></section></section><section style="text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;">“砍头息”是指在支付借款本金的过程中，预先扣除利息，导致借款人实际借到的本金低于借据约定的借款数额，此外在逾期之后仍然按照借据约定的借款本金计算利息。这种行为不仅违法，而且对借款人极为不公，常常让借款人陷入无法按时还款的困境。</span></section></section></section></section></section></section></section></section></section></section></section></section></section><section data-role="paragraph"><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 0.578px;text-align: left;background-color: rgb(255, 255, 255);line-height: normal;"><span style="outline: 0px;color: rgb(178, 178, 178);font-size: 12px;letter-spacing: 0.5px;">资料来源：新会检察、新会区人民法院、刑庭</span></p><p style="margin-bottom: 0px;text-wrap: wrap;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-align: center;background-color: rgb(255, 255, 255);"><br/></p></section></section><p style="display: none;"><mp-style-type data-value="10000"></mp-style-type></p><p><br/></p><link rel="stylesheet" href="//www.singse.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_d56" id="wcn_editor_css"/>
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