虚拟货币借贷案件的裁判标准探析——基于133份判决的实证分析  

Analysis of Adjudication Standards in Virtual Currency Lending Cases-An Empirical Analysis Based on 133 Judgments

作　　者：于湧潮 李硕 张凯森 YU Yongchao;LI Shuo;ZHANG Kaisen

机构地区：[1]华东理工大学,上海市200237

出　　处：《吉林金融研究》2024年第3期57-63,共7页Journal of Jilin Financial Research

摘　　要：虚拟货币作为兼具商品属性和价值属性的资产,在市场中提供了便捷交易、全球流通、去中心化的新型流通途径。民间借贷的标的呈多样化态势,以虚拟货币为标的的民间借贷纠纷也不断产生。然而,司法实务中,虚拟货币借贷案件裁判标准不统一,裁判结果呈现“两极化”。为保障民事主体合法权益,急需从数据综述的宏观视角和裁判路径研究的微观视角分析虚拟货币借贷案件的司法裁判现状,探究虚拟货币借贷案件的裁判大相径庭的症结,并从法律概念、法律关系、社会合意三方面对虚拟货币借贷关系是否受到法律保护的分歧焦点进行法理分析,构建“一般情形支持返还,特殊情形例外”的裁判标准。Virtual currency,as an asset with both commodity and value attributes,provides a convenient trading,global circulation,and decentralized new circulation channel in the market.The targets of private lending are becoming diversified,and disputes related to virtual currency lending are constantly emerging.However,in judicial practice,there is no unified standard for adjudicating virtual currency lending cases,and the judicial outcomes appear to be polarized.To safeguard the legitimate rights and interests of civil subjects,it is urgently needed to analyze the current judicial adjudication of virtual currency lending cases from both a macro perspective of data synthesis and a micro perspective of examining adjudication paths.The study aims to explore the core issues behind the divergent judicial decisions in virtual currency lending cases and conduct legal analysis on the divergence of opinion regarding whether virtual currency lending relationships should be legally protected from the perspectives of legal concepts,legal relationships,and social consensus.Ultimately,the study proposes a judicial standard of general circumstances support restitution,exceptional circumstances are the exception'.

关 键 词：虚拟货币 借贷纠纷 司法裁判 社会合意 

分 类 号：F830[经济管理—金融学]