TAP Cli CONE nmi
QUY DINH VE TOI CHO VAY LAI NANG TRONG GIAO DICH DAN SU CUA
BO LUAT HINH SU NAM 2015 (Sl/A DOI, BO SUNG NAM 2017)
• LE TH) M I N H THLf
T 6 M TAT:
Bp ludt Hinh sff (BLHS) nam 2015 (sda ddi, bo sung (SD, BS) nam 2017) da dffdc ban hanh vdi nhieu quy djnh eu the dffdc sda doi, bd sung so vdi BLHS trffdc dd, trong do cd Toi cho vay lai ndng trong giao djch dan sff. Trong pham vi bai vie't nay, tde gia phdn tich 4 yd'u to' ea'u thanh eua Tpi cho vay ldi ndng trong giao djch dan sd, trong do tap trung vao ye'u Co' cd sff thay dd'i cd bdn trong quy djnb vl toi danh nay dd la mat khach quan. Ben canh do, ldc gia eiing so sdnh quy djnh ve tpi danh ndy trong BLHS nam 1999 va BLHS hien hdnh, tddd neu ra mpl sd'diem mdi cd ban trong quy djnh ve tpi danh nay tai BLHS hien banh so vdi BLHS nam 1999.
Ti^ khoa: Cho vay lai ndng, chu the, giao djch dan sff, khach the, mat ebu quan, mat khach quan, Bd Iuat Hinh sff 2015.
1. D^n nhap
\';i\ mffdn tdi san Id hanh \ I khd pho bien irong xd hpi. Nha nffdc ta khuyen khich nbdn ddn cho nhau\a\ \di tinh chd'i iffdng trd. giup dd nhau khac phue khd khdn. \a> dffng cudc sdng. Tnuiti ihffc lidn ddi sdng \.i hdi. khi ban lh.in ngu'di Jiu iff kbdng dil nang lffc lai chinh cho hoai di'mi -.an
\uat. kinh doanh. ddng thdi n-ing Iffc LU^ ht ilumy ngan hang va cdc dinh che lai chinh khic .hffa ujp dng dffdc nhu cdu \a> cua ngffdi dan ihi .,... ^n,- den quan he \a\ - nd la lat yeu Tu> n h i c . • ,p lual nffdc la nghiem cam \d irffng in n;_hiLi] ,„
26 S o l -Thdng 1/2020
hdnh vi cho vay la'y "lai ndng" de bdc lot ngddi khde. Dd chinb la ly do cua viec Nha nddc la quy dinh tpi cho vay lai ndng trong Bp ludt Hinh sff td rdt sdm vdi nhdng tieu chi cu the de xdc djnh tpi danh. Hay ndi each kbdc, cbi khi cbo vay ldi ndng den mdc "bdc lot" mdi can de'n sd dieu chmh cua phdp ludt hinb sff.
Cho vay ldi ndng hay dffdc goi la On dung den I'i khai mem diing de' chi cdc dang cho vay vdn khdng qu;, hd iho'ng ngan hang. kh,,,,. jgng ^^
kmh .kunh cung nhff ehffa dffdc can nli/,. • u- ., , ^ P'l'^P va chiu
>u qiu.II K i..hinh thffc bdi bat cd co ,,„• •, ,'- 4Uuii qu^n ly
IUAT
Nhd nffdc nao vdi lai sud't eao md phdp ludt khong ihffa nhdn. De chdng minh tpi danh ndy. edc cd quan tien hanh td tung phai chdng minh dffdc day dii cac yeu to cd'u thdnh tpi pham cua toi cho \a_\
lai ndng trong giao dich dan sff.
2. Cac yeu to' cflu thanh tpi cho vay lai nang trong giao dich d0n sif
2.1. Khdch the cua tQipham
Khdch die cua Tpi cho vay lai ndng trong giao dich dan sff cung gidng nhdcdc toi pham khac. dd la nhffng quan he xa hdi dddc Luat Hinh sff bao ve vd bj tpi pham xam bai. Cu thi, kbdcb the ma Tdi cho\a> lai ndng trong giao dich dan sff hffdng de'n la xainpham trat Iff quan ly kinh te cua Nha nffdc.
Cll the la trai iff trong quan ly hoal dpng tin dung, qua do xam pham den quyen va ldi ich hdp phdp cua ngffdi vay lai. Trong thffc lien, tpi pham nay gay anh hffdng den ngffdi dan trong viee va\ vd'n.
trong trffdng hdp ngffdi di vay khong tra dffdc hoae tra khdng dung han do lai sua't qua cao dan de'n gay ra tdm ly hoang mang, Io sd. Ngodi ra. khi ngddi vay ma't kha nang tra nd. cac do'i tffdng diing moi Ihu doan xie'i nd. nhff bdnh hung, baicdc. xuc pham, boi nho danh dff, nban pham, tham chi de doa ngffdi Ihdn ciia ngddi vay nd nham tao sdc ep bupc hp phdi bdn nha cda, tai san tra nd ebo ehu nd; mot sd trffdng hdp ma't kha ndng ira nd da bd iron khoi dja phffdng di ndi kbdc sinh sd'ng.
Dd'i tffdng tac dpng cua l6i pham nay Id sd'tien mil ngffdi pham tpi eho ngffdi kliac vay de hddng
•-0 iiLMi Idi vffdt qud Iai sud't quy dinh.
2.2. Chii the Clia tQi phgm
Ngffdi thffc hien hdnh vi nguy biem cho xd hpi doi vdi Tpi eho vay lai ndng irong giao dich dan sir dffdc quy dinh tai Dieu 201 BLHS ndm 2015 (SD, BS nam 2017) la ngffdi cd nang lffc trdch nhiem hinb sff. dat dp tudi ludt djnb. Cu the.
ngffdi thffc hien hanh vi nguy hiem cho xd hpi dffdc quy dinh tai Dieu 201 BLHS nam 2015 (SD.
BS nam 2017) dat do tudi tff du 16 tudi trd Ien phai chju trdch nhiem hinh sd ddi vdi tpi danb \ a hinh phat quy djnh tai Khoan 1. Khoan 2 Dieu 201 BLHS nam 2015 (SD. BS nam 2017). Chu the ciJa lpi pham nay khong phai la chu the ddc biet.
bat cff ai ne'u ihda mdn cac dieu kien quy djnh
cua phdp luat deu cd the trd thanh chu the cua loi pham nd}'. Tu\ nhien. tpi pham nay la idi pham it nghiem trpng. theo quy djnh lai Dieu 12 BLHS nam 2015 (SD. BS nam 2017). ngddi tff du 14 tudi de'n dffdi 16 tudi khdng phai chju traeh nhiem hinh sff vd tdi pbam nay trong bat cd trffdng hdp nao. Tren thffc le', chu the thffc hien tdi danh nay ihffdng Id cdc do'i tddng cd lien an.
tien sff, Iffu manh. cdn do,... hodc cac cd nhan. td chdc niip bdng dffdi cdc hinh thffc Id edng l> cho vay tai chinh, tiem cam do hoae lien doanh, lien kel vdi cdc ngan hdngde cho vay vdi Idi sua't cao.
2.3. Mat chu guan cua tgi phgm
Trong khoa hoc phap ly hinh sff. tpi pham la the thd'ng nha't cua hai mat khdch quan va chii quan. Mat chu quan Id nhffng boat dpng tam ly ben trong cua ngddi pham tpi vd Iudn ga'n lien vdi cac bieu hien ben ngoai cua tpi pham, nd khdng tdn tai biet Idp md ludn gdn lien vdi mat khdeh quan cua tpi pham. Mat chu quan eua tpi pham bao gom loi, dpng cd va muc dich pham tpi.
trong dd ye'u to' loi Id da'u hieu bat bupc, khdng the thie'u trong bd't ky cd'u thdnh ciia tpi pbam nao. Trong Tpi cho vay Iai nang trong giao djch dan sff. tpi pham dffdc thffc hien vdi loi cd' y trdc tie'p. Ngffdi cho vay Idi ndng nhdn thffc dffdc hanh vi cua minh Id nguy hiem eho xd hpi vd hdu qua do minh gd_\ ra nhffng van thffc hien hanh vi vdi mong muo'n ebo hdu qua xay ra Id ngffdi di vay phai tra mpt khoan Iai ra't eao. Cu the Id ngffdi cho vay cd y thffc hien hdnh vi "cho vay vdi Idi suat ga'p 05 lan trd len cua mdc Idi sud't cao nhd'l quy djnh trong Bp Iuat Dan sff nam 2015, thu idi bd't chinh tff 30.000.000 ddng " cua ngffdi di vay, Dpng cd pham tdi la vu ldi. Muc dich pham tpi khdng phdi la da'u hieu bdt bupc cua cd'u tbdnh tdi pham nd\. tuy nbien. ngffdi pbam tdi nay bao gid cung nhdm thu ldi bat chinh thong qua bdnh vt cho vay Iai ndng.
2.4. .Mat khdch qnan ciia tgi phgm Mat khach quan cua tdi pham la long hdp ta't ca nhflng da'u bieu dffdc bieu hien ra ben ngoai ciia tpi pbam. bao gdm hanh vi nguy hiem cho xa hdi:
hdu qua do hanh vi dd gay ra; mdi quan he nhan qua gifla hanh vi va hdu qua: nhffng da'u hieu khac
So 1 -Thang 1/2020 27
TAP Cli CDNE THirONG
nhffphffdng phdp. thd doan. phffdng tien ihffc hien tpi pham \a ihdi gian. hodn canh. dja diem \ a \ ra Idl pham. Trong dd. hanh \i khdch quan la bieu hien cdban \d dau hieu bdt bupc trong cau thdnh tpi pham cua la't ca cdc tpi pham. Hanh vi khach quan cua Tdi cho vay Idi nang trong giao dich dan sff la "hdnh vi cho ngffdi khac vay tien (ddng Viei nam. ngoai le). kim khi quy. dd quy vdi lai suat gd'p 5 lan trd len cua mffc Iai sud't cao nhat quy dinh trong Bp luat Dan sff"'. Hanh \ i cho vay cd the dffdc bieu hien bdng nbieu hinh thdc khde nhau nhff \a_\. mffdn. k\ nd thdng qua hinh thdc hdp ddng bang vdn ban. Ihoa thudn niieng. Tuy nhien.
hdnh VI nay chi ca'u thanh tpi pham ne'u ngffdi pham tdi thu Idi bd't chinh tD' 30.000.000 ddng trd len hodc da bj xdphat vi pham hanh chinh ve hdnh vi nay hoae dd bj ke'idn \ e tdi na\. chffa dddc xda an tich ma cdn vi pham.
Yeu to' then chd't de xic djnh hdnh vi nham djnh tpi dd'i vdi toi danh nay la "Cho \a\ vdi Iai sua'l ga'p 05 Ian trd len cua mdc lai sua't cao nha'l quy dinh trong Bd ludt Dan sff" Theo quy djnh tai Dieu 468 Bo lual Dan sff nam 2015 thi lai sud't trong hdp ddng vay dddc xdc djnh: "Lai sua't vay do cac ben ihda thudn. Trffdng hdp cdc ben cd thda thudn ve Iai sua't thi lai sua't theo thoa thuan khdng dffdc vffdt qua 207f/ndm cua khoan tien vay. trff trffdng hdp phdp Iuat lien quan cd quy djnh khae. Cdn cff dnh hinh ihffc te VLI theo de xuat Clia Chinh phii. U\ ban thffdng vu Quo'c hdi iliixei djnh dieu chinh mffc Idi sua't ndi tren \d bao cdo Qudc hpi tai k\ hpp gun nbd't Trffdng hdp ldi suat theo thda thudn vffdiqud lai sud't sidi han difdc quy dinb lai kboan ndy thi mffc Idi sua'l vddt qua khongeo hieu lffc"-. Tde la.hii sud't \av do cac ben thoa ihudn nhffng khdng dffdc \ffdt qud mffc Iran ldi suat tdi da Id 20'"f/nani hiiQc 1.666'~f/lhang (20rf: 12 thdng) cua kho.in nen
\ a \ . Nhff vay. Iai sudt cao nhdiqu\ dinh Uune Bd lual Ddn sff ndm 2015 Id 20',/nJ:ii 110..^
!.666''r/thdng. Tff dd cd the hieu lai - , • j ; 5 Ian trd len cua mffc lai sudi cao nhd; ^^ 1, ,1, trong Bd Iuat Dan sff nam 2015 IJ \"'<
hodc S.3.V7f/thang trd Ien. Neu hanh \. , dffdc ihffc hien \di lai suat vay d mffc n.j>
28 S o l - T h d n g 1/2020
thi ed thd ea'u thanh tdi cbo \ a \ !..• ".ing ''"'•^"^g giao dich dan sff khi vd chi khi kci lidp \'^' ' " J ' trong sd ba yd'u td khde theo quy Jmh lai Dieu 201 BLHS nam 2015 (SD, BS nam 2017). Cac
\ e u Id' do bao gdm: thu ldi bat chinb tff 30.000.000 ddng trd len hodc dd bi ^d I'liat vi pham hanh chinh \'e banh vi ndv hoai-" ^^ ''i ^^^
an ve tpi nay, chffa dffdc xda dn iich ma cdn vi pham. Nhff vay, 3 hanh vi cd'u thanh tpi danh nay se la, cbo vay vdi lai sua't 100%/nam hodc 8.33%/thang trd len va thu Idi ba't ehinh td 30.000.000 ddng trd len; cho vay vdi lai sud't 100%/ndm hode 8,33%/thang trd len ma trffdc dd da bj xd phal vi pham banh chinh ve banh vi nay;
cho vay vdi Iai sua't 100%/nam hoae 8,33%/thang trd Ien md trffdc dd da bj ket an ve tpi ndy, chda dffdc xda an tich. Trong do, tinh lie'l da bj xd phat vi pham bdnh chinh ve hanh vi cho vay Iai ndng md cdn vi pham bien tai con tffdng do'i khd khan dd dp dung vi hien tai chffa cd vdn ban dd qudn ly vd xem xel xd ly hdnh chinh dd'i vdi hanb vi cho vay lai nang. Day la mpt ban cbe trong quan ly nha nffdc do'i vdi boat dpng tin dung phi chinh thffc nay. Tinh tie't "da bj ke't an vd tdi nay, chda dffdc xda dn lieh ma cdn vi pbam", nghTa la ngffdi thffc hien hdnh vi cbo vay lai nang da bi ket dn ve Tpi cho vay lai ndng theo quy djnh tai Didu !63 BLHS nam 1999 hodc Tpi cho vay lai nang trong giao dieh dan sd theo quy djnh tai Didu 201 BLHS nam 2015 (SD, BS ndm 2017) chffa dffdc xda dn tich theo cdc Dieu 70, Dieu 71 va Dieu 72 BLHS ndm 2015 (SD, BS ndm 2017).
Mat khach quan cua toi pbam nay ngoai nhflng hanb vi nguy hiem cho xa hpi cdn cd cac dau bieu khac nhffphffdng tien pham tpi; phffdng phdp. thu doan, thdi gian, dia didm va hoan canh pham tpi. Cdc hinb thde cbo vay Iai ndng ra't ddn gum. cd the dffdc bieu hien qua nhieu dang khac nhau. ngudi cbo vax va ngifd, vay eo thd b^ng nioi hdp ddn.i vie'l (rat it dffdc thuc h,en tren thffc y cnMu- h, bang mpt bdp ddng mieng hodc chi ' • ' • ' " " • ' " •'>'^'^"^°^^""^^'''-^^ykv nban. Ne'u ' "••-• ' 1.1 Mil thi ihffdng khong uhi l-i, -•. , , -
_ ^ '^-""'"•^uat, khong
• "• - • ' - v a y ma chl gbi mntni,. u- 1 I isrxix M/,. ~ ^ '''o nhieu
•Ju: ^•A^ 1.000.000 d6ng ,,„ 1 - -',
^ "11 ') suat
LUAT
5.000 ddng (tffdng dffdng ldi sua't 180%/nam hay lS'"e/lhang) hodc vay 8.000.000 dong thi lai sud't 40.000 ddng (tffdng dffdng Idi sud't 180%/nam hay 15'"f/thang)...Tren thffc te, ngffdi \ a \ lien chi can trong khoang thdi gian rat nga'n dd cd tien ma khdng phai mdt nhieu tbdi gian, thu tuc he't sdc ddn gian chi can photo chdng minh nhdn ddn, bo khau, b^ng ldi xe, gia'y kbai smb. gid'y dang ky kcl hdn.... Ngodi ra, khong can chdng minh thu nhap. dang cd nd xdu d cdc cong ly tdi cbinh thi vdn tie'p tuc dffdc vay. Ddy Id nhflng ffu dai can ihie't, dd dang chd nhdng ngffdi can lien kinh doanh. de ddo ban kboan vay irffdc bode de lieu dilng cd nhan trong cudc sd'ng. Phddng phdp thu doan cho vay lai ndng hdt sffc tinh vi va phffc tap vi thffdng dffdc hoat dpng cdng khai dffdi "vd hoc" cua hoat dpng kinh doanh dffdc cap phep nhff dich vu cam dd, cho thue tai san,.. Dja diem pham lpi: hanh vi cbo vay nang ldi hien nay khdng chi tdp trung vao cac thanh phd'Idn ma da Ien Idi vao mpi ngdc ngdeh, tff thanh lhi tdi ndng thdn. Thu doan pham tdi thffdng Id ldi dung ngffdi di \ay gap hoan canh khd khdn dot xud'l nhff bi thien tai, benh lal hodc nhdng kho khan khae can gd'p mpl sd' tiin de trang trai nen ngffdi cho vay da ^p budc hodc thda thuan de ngddi di vay phai chiu !ai sua't cao.
Hau qua cua hanh vi cho vay Iai nang co the Id nhflng thiel hai vat cha't hodc phi vdl eha'l. Thiet halve vdt cha't cua hanh vi cho vay Idi nang Id gay thici hai cho ngffdi vay, ldm cho ngifdi vay pbdi chju mdc Iai sud't qua cao, so' tidn ldi qud ldn. cd the ddn den kbdng cd lien tra, td dd dffa den he luy la ngffdi cho vay cd hdnh vi co y gay thddng tich. huy hoai hoae cd' y lam bd bdng tdi san.... boac su'dung cachanhvi khung bo'tinh than nhd tat sdn, chat ban... lam cho ngifdi di vay \ a ngffdi than cua hp d trong tinh trang luon lo Idng, dp life tra nd, tiing quan. gay ra cde bdnh vi pham phap khde, hodc hi gay dp Iffc ldn ddn den ngffdi di vay phai Iff tii'. Nhflng thiet hai phi vdt chd't khde nhff ve chinh tri. kinh te. \'dn hda. xa hpi va nhieu he luy khdn Iffdng cho ngddi ddn. xd hpi nhffcdc bdng nhdm xa hpi den. doi nd ihue liep tuc dffdc md rdngtrdnlan, trat idtrianxahdibianhhffdns. Dd'i
vdi Tpi cho vay lai nang trong giao dich ddn sff. thi hdu qua khdng phai la da'u hieu bat bupc cua ca'u thanh tdi pham na\.
3. NhiJng diem mdi cua Tpi cho \a} n§ng lai trong giao dich d§n sff trong quy djnh cua BLHS nam 2015 (su'a ddi, bd sung nam 2017)
Thffc hien cbinh sdch hinh sff ve Tdi cho vay Idi ndng vdl nhflng djnh hffdng. chu trddng trong viec sff dung BLHS quy dinh toi pham va hinh phal de dd'u tranh va phdng chd'ng tpi pham ve cho \ay ndng Idi hien na\ thi sff cdp thiel ve viec phai sffa ddi BLHS ndm 1999 vdi tpi danh cho vay Idi ndng quy djnh tai Dieu 163 thanh Tpi cho vay Idi ndng trong giao dich dan sff tai Dieu 201 BLHS nam 2015 (SD. BS nam 2017) vdi cac da'u hieu djnh tpi
\ a dmh khung da dffdc cu the hda theo hffdng dinh tinh lam can cff xac dinh trdch nhiem hinh sff.
Trong dd. nhflng diem mdi cuaTpi cho vay ndng ldi trong giao djch dan sd the hien d nhflng npi dung sau:
Tbd nhd'l, ve ten tpi danh, da su'a ten lpi danh thanh Tpi cho \a\ Idi nang trong giao dich dan sff ma khdng quy dinh chung chung Id Toi cho vay Iai nang. Dieu nay xua't phat tff ban chd't cho vay Id quan he giao djch dffdc xdc lap theo quy djnh cua phdp ludt ddn sff. Neu quy djnh ten tpi danh nhff BLHS ndm 1999 tbi se can cff theo mde lai sua'l do Ngan hang Nha nffdc cdng bd lai tdng thdi diem hodc ibeo Lual Cdc id chdc tin dung ma quan he nay ban chd't la mpt quan he giao djch dan sff. Ddy la mpl diem tie'n bd ciia nha lam ludt khi vien ddn diing va rd rdng cdn cff phdp luatde xac djnh mffc iai sud't cao nha'l.
Tbd hai, \ e da'u hieu djnb tdi. Quy dmh tai Dieu 201 BLHS ndm 2015 (SD, BS ndm 2017) dd quy djnh ro rang vd mang tinh dinh Iffdng bdn so vdi quy dinh mang tinh dinh tinh nhff trong BLHS ndm 1999. Theo do. quy djnh trong BLHS nam 1999 Id "cho \a) vdi mffc lai sua'l cao hdn mffe ldi sua't cao nha't ma phdp luat quy djnh id mddi lan trd len ed tinh cha't chuyen bdc lot" ma de chffng minh da'u hieu ndy thi rat khd khdn nen BLHS nam 3015 (SD. BS ndm 2017) da quy dinh cu the Id "Ngffdi ndo trong giao djch dan sd ma cho vay \di lai sud'l gii'p 5 lan trd ien ciia mdc Idi
Sdl -Thong 1/2020 29
TAP Cit CBNG THUONG
sud't cao nhat qu\ dinh trong Bd luai Ddn sff. ihu ldi bat chinh tff 30.000.000 dong de'n difdi 100.000.000 ddng hodc dd bi \ff phat \i pham hanh chinh \ e hanh \i na> hoae dd bi ke't an \ e tdi nd\. chffa dffdc xda an lich ma cdn vi pham".
NhLr\ j \ . quy djnh \ e da'u hieu dinh tpi da cd mot so'thav ddi- Mdi la. gidi han lai pham vi chi trong giao djch ddn sff: Hai Id. qu\ djnh ve mdc lai sudi cao nha't da dffdc giam \udng. mffc lai suai cho
\ j \ gum xud'ng tff gd'p 10 lan ihdnh gdp 03 Idn.
tuy nhien phdi di kem hau qua Id so' lien thu Idi bai chinh id 30.000.000 dong de'n dffdi 100.000.000 ddng: Ba Id. can cff de xdc dinh Iai sudl cao nhdt cung dd dffdc neu mdt cdch cu the va ihd'ng nhd'i Id "quy djnh trong Bo ludi Dan sd"
ma khdng cdn chung chung la "phdp luat quy djnh" nhff trong BLHS nam 1999. Dffa iren quy djnh rd rang nay. mdc lai sud'i dffdc xdcdinh Idm cdn cff tinh lai sudl cao nha't dffdc dp dung mpt cdch dc ddng. rd rang \a thdng nha't hdn: Bern Id, da bd da'u hieu "cd tinh cha't chuyen bdc lot":
Nam Id. bd sung ihem hai da'u hieu dinh tpi ngodi da'u hicu \ c lien tbu Idi ba't chinh Id "dd bj xd phat vi pham hanh chinh ve hanh \ i nd) hodc da bl ket dn \ e lpi nay, chffa dffdc xda an tich md cdn VI pham". Dieu nd\ dda den kba nang xff Iy Iriel de hdn vd nghiem khde hdn do'i vdi nsddi
nnh hinb
NhiTng dl thdc ibffc hien hanh \ i cho va_\ lai ndng "•" ^ thffc le Id Ioai idi pbam ndy d.iivj ' ••
tang d nffde ta trong nhflng ndm \u.. qu quy djnh mdi nay ro rdng \ a phu hdj-' hdi te' vd cho phep ap dung phap luat nidt each ro rang, d l dang va triet de hdn.
Tln'f ba, ve tinh tie't dinh khung. OLHS nam 2015 (SD. BS nam 2017) da qu> dmh hdu qud mang tinh djnh lffdng mot each ro rdng la "... Pham tpi md thu idi ba't ehinh 100.000.000 dong trd len...", khong cdn mang tinh djnh tinh nhd quy djnh tai Dieu 163 BLHS nam 1999 Id "Pham tdi thu ldi bat chinh Idn".
Thi'f tu, ve che tai xd ly. toi danh nay da cu thd ve hinh ph:it tien, cu the, so'tien phat dffdc neu cu the irong BLHS nam 2015 (SD, BS nam 2017) Id
•'Iff 50.000.000 ddng den 200.000.000 dong"
(Khoan I Dieu 201). trong khi tpi danh nay d BLHS ndm 1999 dp dung hinh phal tien mptedeh chung ehung la "phal lien tff mgt ian den mddi lan so'tien lai".
Nhdng npi dung dddc su'a doi trong BLHS nam 2015 (SD, BS nam 2017) deu la nhdng diem tidn bo, giup cho viec ap dung quy djnb ve tpi danh nay dddc rd rang, thuan ldi bdn. tao dieu kien to't hdn cho cdng tac da'u tranh phdng chdng Ioai tpi pham ndy tren thffc td •
TVI LIKU TRICH DAN:
IS. TrdnlhiQium^' \ oil, Is \-,; //,, / ; , , Chl .Mmh
-Khoan I Dieu 46S Ho , ,, / •
'-Oiy, lap hdi gidng Ludi Hinh sif. TrUdng DH Lual tbdnh phd Ho
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30 So 1-Thong 1/2020
LUAT
Ngay nh§n bai: 16/12/2019
Nga> phan bl0n danh gia va s^a chi7a: 26/12/2019 Ngay cha'p nhSn dang bai: 6/1/2020
Thdng tin ldc gid:
ThS. LE THI MINH T H U Giang vien Khoa Luiit
Trddng Dai hpc Cong ngh^ TP. Ho Chf Minh (Hutech)
CRIME FOR MAKING SUPER fflGH-INTEREST LOANS VIA CIVIL TRANSACTIONS ON THE CRIMINAL CODE 2015
(AMENDED AND SUPPLEMENTED IN 2017)
Master. LE THI MINH THU Lecturer, Faculty of Law, Ho Chi Minh City University ofTechnology
ABSTRACT:
The Criminal Code 2015 (amended and supplemented in 2017) was issued with many specific provisions that were amended and supplemented from the previous Criminal Code, including crime for making super high-interest loans via civil transactions. This article analyzes four constituent elements of the crime for making super high-interest loans via civil transactions, focusing on factors that have fundamental changes in regulations on this crime, namely objective factor. In addition, this article compares the provisions on this crime in the Criminal Code 1999 and the current version of the code, ihereby introducing some new points.
Keywords: Super high-interest loan, subject, civil transaction, object, subjective side, objective side. Criminal Code 2015.
So 1 -Thang 1/2020 31
