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民间借贷中涉罪合同效力问题的研究主要分为有效说和无效说。有效说的理论支撑有部门法自治理论、量变质变理论和债权人利益保护理论。无效说的观点认为其违反法律法规强制性规定且不利于法律部门体系性的协调。这两种观点都没有全面地认识涉罪合同效力问题。合同效力本身有民事规范要求,认定合同的效力仍应以合同本身为根基。此类案件站在社会效果层面与立法完善层面解决较为合适。
The study on the effectiveness of the contract of guilty plea in private lending can be divided into two aspects: effective talking and invalidation. Theory of effective support for a sector of autonomy theory, qualitative change theory and creditor interests protection theory. Ineffective argument that it violates the mandatory provisions of laws and regulations and is not conducive to the systematic coordination of the legal department. Neither view fully understands the validity of the contract of criminality. Contract effectiveness itself has civil norms, the validity of the contract should still be based on the contract itself. It is more appropriate for such cases to be settled at the level of social effects and the improvement of legislation.