關於重利罪要?的大小事，大揚代書幫你一網打?/title> <atom:link href="//danaherbertts.shop/tag/%E9%87%8D%E5%88%A9%E7%BD%AA%E8%A6%81%E4%BB%B6/feed/" rel="self" type="application/rss+xml" /> <link></link> <description></description> <lastBuildDate>Thu, 16 Jan 2025 02:30:22 +0000</lastBuildDate> <language>zh-TW</language> <sy:updatePeriod> hourly </sy:updatePeriod> <sy:updateFrequency> 1 </sy:updateFrequency> <generator>//wordpress.org/?v=6.7.2</generator> <image> <url>//danaherbertts.shop/wp-content/uploads/2021/01/icon-150x150.png</url> <title>關於重利罪要?的大小事，大揚代書幫你一網打?/title> <link></link> <width>32</width> <height>32</height> </image> <item> <title>重利罪是什麼？5分鐘了解判刑要件有哪?/title> <link>//danaherbertts.shop/offenses-of-usury/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Wed, 03 May 2023 07:31:14 +0000</pubDate> <category><![CDATA[法律知識]]></category> <category><![CDATA[重利罪]]></category> <category><![CDATA[重利罪判刑]]></category> <category><![CDATA[重利罪利率]]></category> <category><![CDATA[重利罪是什麼]]></category> <category><![CDATA[重利罪構成要件]]></category> <category><![CDATA[重利罪要件]]></category> <category><![CDATA[重利罪計算]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=37276</guid> <description><![CDATA[<p>重利罪是什麼？5分鐘了解判刑要件有哪?我們常說高利貸、地下錢莊為非法業者，但你知道單純的收取較高利息並不構?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/offenses-of-usury/">重利罪是什麼？5分鐘了解判刑要件有哪?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></description> <content:encoded><![CDATA[ <div data-elementor-type="wp-post" data-elementor-id="37276" class="elementor elementor-37276" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-744a6608 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="744a6608" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-339b7726" data-id="339b7726" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-173c9b95 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="173c9b95" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e8cada5" data-id="e8cada5" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-469aa616 elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="469aa616" data-element_type="widget" data-widget_type="breadcrumbs.default"> <div class="elementor-widget-container"> <p id="breadcrumbs"><span><span><a href="//danaherbertts.shop/">首頁</a></span> » <span class="breadcrumb_last" aria-current="page">重利罪要?/span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-5ff5a495 elementor-widget elementor-widget-heading" data-id="5ff5a495" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">重利罪是什麼？5分鐘了解判刑要件有哪?/h1> </div> </div> <div class="elementor-element elementor-element-17345d14 elementor-widget elementor-widget-image" data-id="17345d14" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img fetchpriority="high" decoding="async" width="800" height="570" src="//danaherbertts.shop/wp-content/uploads/2023/05/offenses-of-usury.webp" class="attachment-large size-large wp-image-57357" alt="重利罪是什麼？5分鐘了解判刑要件有哪?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2023/05/offenses-of-usury.webp 1024w, //danaherbertts.shop/wp-content/uploads/2023/05/offenses-of-usury-300x214.webp 300w, //danaherbertts.shop/wp-content/uploads/2023/05/offenses-of-usury-768x548.webp 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-558e0823 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="558e0823" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider"> <span class="elementor-divider-separator"> </span> </div> </div> </div> <div class="elementor-element elementor-element-e45a36e elementor-widget elementor-widget-text-editor" data-id="e45a36e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><em>我們常說高利貸、地下錢莊為非法業者，但你知道單純的收取較高利息並不構成重利罪嗎？重利罪是什麼意思？重利罪利率有固定標準嗎？?strong>大揚代書</strong>帶你了解構成重利罪的條件吧！</em></p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-22f8e96e elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="22f8e96e" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-52a9b628" data-id="52a9b628" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7c2379f9 elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="7c2379f9" data-element_type="widget" data-settings="{"headings_by_tags":["h2","h3","h4"],"exclude_headings_by_selector":[],"marker_view":"numbers","hierarchical_view":"yes","min_height":{"unit":"px","size":"","sizes":[]},"min_height_tablet":{"unit":"px","size":"","sizes":[]},"min_height_mobile":{"unit":"px","size":"","sizes":[]}}" data-widget_type="table-of-contents.default"> <div class="elementor-widget-container"> <div class="elementor-toc__header" aria-controls="elementor-toc__body"> <h2 class="elementor-toc__header-title"> 內容目錄 </h2> </div> <div class="elementor-toc__body" aria-expanded="true"> <div class="elementor-toc__spinner-container"> <i class="elementor-toc__spinner eicon-animation-spin eicon-loading" aria-hidden="true"></i> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5788289d" data-id="5788289d" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-5e1d7c3b elementor-widget elementor-widget-heading" data-id="5e1d7c3b" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">重利罪是什?/h2> </div> </div> <div class="elementor-element elementor-element-325a9b7a elementor-widget elementor-widget-text-editor" data-id="325a9b7a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>一般所稱的高利貸其實就屬於重利罪，但單純的約定利息高並不符合重利罪構成要件。依案件情節，還可分為「重利罪」與「加重重利罪」?/p> </div> </div> <div class="elementor-element elementor-element-7d789728 elementor-widget elementor-widget-heading" data-id="7d789728" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">重利?/h3> </div> </div> <div class="elementor-element elementor-element-49142bf8 elementor-widget elementor-widget-text-editor" data-id="49142bf8" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=C0000001&flno=344" target="_blank" rel="noopener">刑法§344?/a>?/p><ol><li><em>乘他人急迫、輕率、無經驗或難以求助之處境，貸以金錢或其他物品，而取得與原本顯不相當之重利者，處三年以下有期徒刑、拘役或科或併科三十萬元以下罰金?/em></li><li><em>前項重利，包括手續費、保管費、違約金及其他與借貸相關之費用?/em></li></ol> </div> </div> <div class="elementor-element elementor-element-7fe90b81 elementor-widget elementor-widget-heading" data-id="7fe90b81" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">加重重利?/h3> </div> </div> <div class="elementor-element elementor-element-32c778c4 elementor-widget elementor-widget-text-editor" data-id="32c778c4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=C0000001&flno=344-1" target="_blank" rel="noopener">刑法§344-1?/a>?/p><ol><li><em>以強暴、脅迫、恐嚇、侵入住宅、傷害、毀損、監控或其他足以使人心生畏懼之方法取得前條第一項之重利者，處六月以上五年以下有期徒刑，得併科五十萬元以下罰金?/em></li><li><em>前項之未遂犯罰之?/em></li></ol> </div> </div> <div class="elementor-element elementor-element-163d9f50 elementor-widget elementor-widget-text-editor" data-id="163d9f50" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>下文主要以重利罪來介紹?/p> </div> </div> <div class="elementor-element elementor-element-41e07046 elementor-widget elementor-widget-heading" data-id="41e07046" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">重利罪構成要?/h2> </div> </div> <div class="elementor-element elementor-element-6e6f2a8c elementor-widget elementor-widget-text-editor" data-id="6e6f2a8c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 重利罪的法條內容，在法院中的實務判斷標準大致如下? </div> </div> <div class="elementor-element elementor-element-47f9f54 elementor-widget elementor-widget-heading" data-id="47f9f54" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">他人急迫、輕率、無經驗或難以求?/h3> </div> </div> <div class="elementor-element elementor-element-372b12a elementor-widget elementor-widget-text-editor" data-id="372b12a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li>急迫：借款人出於急需金錢的情況或壓力下進行借貸</li><li>輕率：借款人未經考慮，在沒有妥善規劃資金、考量財務的情況下草率借貸?/li><li>無經驗：借款人完全沒有社會借貸經驗?/li><li>難以求助的處境：出於無奈，不得不進行借款?/li></ol> </div> </div> <div class="elementor-element elementor-element-778e5be elementor-widget elementor-widget-heading" data-id="778e5be" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">取得與原本顯不相當之重利?/h3> </div> </div> <div class="elementor-element elementor-element-b57cd9a elementor-widget elementor-widget-text-editor" data-id="b57cd9a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>雖然我們一般認定重利罪計算是以<a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=B0000001&flno=205" target="_blank" rel="noopener">民法§205</a>：約定利率超?6%為基準，<span class="f-point">但在法院實務判斷中，並非超過16%者，都屬於構成重利罪要件，而是會在判斷上斟酌參考「當地經濟與交易情況綜合考量?/span>。例如：以目前民間借貸放款利率約為月息1%-3%，約為年?2%-36%，參考目前市場上的經濟交易情況，並不屬於顯不得當的情況，所以重利罪並不成立?/p><p>另外，注?span class="f-point">須「取得」與原本顯不得當的重利，若只是「約定」而尚未「取得」利息，就不會成立重利罪</span>。綜上所述，單純的約定利息高並無法成立重利罪?/p> </div> </div> <div class="elementor-element elementor-element-7299445 elementor-widget elementor-widget-image" data-id="7299445" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="763" src="//danaherbertts.shop/wp-content/uploads/2023/05/offenses_of_usury.png" class="attachment-large size-large wp-image-37279" alt="重利罪構成要件有2點－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2023/05/offenses_of_usury.png 1001w, //danaherbertts.shop/wp-content/uploads/2023/05/offenses_of_usury-300x286.png 300w, //danaherbertts.shop/wp-content/uploads/2023/05/offenses_of_usury-768x733.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-531c6545 elementor-widget elementor-widget-heading" data-id="531c6545" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">重利罪是否成立之範例</h2> </div> </div> <div class="elementor-element elementor-element-e315da9 elementor-widget elementor-widget-heading" data-id="e315da9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">重利罪成?/h3> </div> </div> <div class="elementor-element elementor-element-5914e3f elementor-widget elementor-widget-text-editor" data-id="5914e3f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>若A的母親因工傷需要大筆醫療費用，但親戚及朋友拒絕借錢，A只好向地下錢莊借貸100萬，地下錢莊金主看A非常急迫，就提出月付50萬利息的條件，並施予時間壓力，逼迫A答應。A迫於無奈只好答應，並籌錢還款，金主取得此筆利息後，重利罪便成立?/p> </div> </div> <div class="elementor-element elementor-element-f848b7d elementor-widget elementor-widget-heading" data-id="f848b7d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">重利罪不成立</h3> </div> </div> <div class="elementor-element elementor-element-92c811f elementor-widget elementor-widget-text-editor" data-id="92c811f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>B有較大筆資金需求，於是向地下錢莊借貸，地下錢莊提出極高的利息方案，但在評估過後，B認為自己可以負擔，因此同意金主的條件。B在借貸時並無急迫、輕率等狀況，加上B先前也有向銀行借貸的經驗，據上所述，即使年息高達40%，重利罪也不會成立?/p> </div> </div> <div class="elementor-element elementor-element-3f21074 elementor-widget elementor-widget-heading" data-id="3f21074" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">重利罪常見問?/h2> </div> </div> <div class="elementor-element elementor-element-713678bd elementor-widget elementor-widget-accordion" data-id="713678bd" data-element_type="widget" data-widget_type="accordion.default"> <div class="elementor-widget-container"> <div class="elementor-accordion"> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1891" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-1891" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：重利罪判刑怎麼判？</a> </div> <div id="elementor-tab-content-1891" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-1891"><p>根據<a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=C0000001&flno=344" target="_blank" rel="noopener">刑法§344</a>，重利罪將處3年以下有期徒刑、拘役或科或併科30萬元以下罰金。刑?a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=C0000001&flno=344-1" target="_blank" rel="noopener">§344-1</a>規定，加重重利罪則會?個月以上5年以下有期徒刑，得併?0萬元以下罰金?/p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1892" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-1892" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：重利罪可以和解嗎？</a> </div> <div id="elementor-tab-content-1892" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-1892"><p>不行，重利罪屬於非告訴乃論罪，即使原告決定撤回告訴並與對方和解，也無法中止刑事訴訟程序的喔！</p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1893" class="elementor-tab-title" data-tab="3" role="button" aria-controls="elementor-tab-content-1893" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：可能觸犯重利罪的契約還有效嗎？</a> </div> <div id="elementor-tab-content-1893" class="elementor-tab-content elementor-clearfix" data-tab="3" role="region" aria-labelledby="elementor-tab-title-1893">有效，但借款人可以以?點提出申訴： <ol> <li>根據<a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=B0000001&flno=205" target="_blank" rel="noopener">民法§205</a>，若約定年利率超?6%，則債權人僅能請求償?6%的利息，剩餘利息借款人可拒絕償還?/li> <li>根據<a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=B0000001&flno=74" target="_blank" rel="noopener">民法§74</a>，債權人若有乘人之急迫、輕率或無經驗，迫使借款人簽訂不公平金錢契約，借款?strong style="background: linear-gradient(rgba(0,0,0,0)40% ,#faf0e2 0);">可於合約開始後一年內提出申請</strong>，法院則會決定是否撤銷合約的法律效力或減輕利息?/li> </ol></div> </div> <script 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elementor-element-579bfce elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="579bfce" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-79e88bd1" data-id="79e88bd1" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1e58e645 elementor-widget elementor-widget-heading" data-id="1e58e645" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">大揚代書24H免費諮詢</p> </div> </div> <div class="elementor-element elementor-element-3f7240a9 elementor-widget elementor-widget-text-editor" data-id="3f7240a9" data-element_type="widget" 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