民间借贷融资中民刑交叉适用的冲突与协调

金融犯罪案件多涉及民刑交叉问题，采用“先刑后民”原则往往容易忽视当事人的意思自由及处分权，对民事争议中的私权完全不重视。导致附带民事诉讼的审理“过场化”。基于私人财产权优先的学理基础，金融领域民刑交叉案件中的“民商先行”既为了加强对金融民商实体法的运用．更为了缓和金融刑法重刑主义。赋予民间借贷融资中贷款人诉讼选择权。让贷款人在刑事诉讼之前选择是否适用民事诉讼，即实行“先民后刑”。对于民间借贷融资中的民刑交叉适用，应当秉持刑法具有的内敛品格，实现从金融违法行为的“刑法依赖”到“非刑法依赖”的转变。

The Conflict and Coordination of the Crossed Application of Civil Law and Criminal Law in Non-governmental Financing

Financial criminal cases are often involved beth penal and civil cases.The principle of ＂criminal procedure prior to civil procedure＂ tend to ignore the free will and disposition of the party,which do not attach importance of private rights in civil dis- putes,and resulting in the trial of incidental civil action being a mere fonnality.Aocording to the doctrine of private property fights priority,the principle of ＂civil and commercial law first＂ can beth strengthen the use of financial and commercial law and ease the rigorousness of financial criminal law.In non-governmental financing cases,giving the lender a right to choose whether use of civil action before criminal procedure means ＂civil procedure prior to criminal procedure＂.The Criminal-Civil Cross Cases should uphold the restrained character in criminal law,completing the transition from the Principle of ＂Reliance in Criminal Law＂ to ＂non Reliance in Criminal Law＂.