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刑民交叉案件中,法院一般会以借款人的行为构成刑事犯罪为由,直接认定借款合同无效,导致作为从合同的担保合同也被认为无效。新的司法判例将借款合同作为可变更、可撤销的合同处理,承认银行对合同的撤销权,最大限度地在受害人利益保护、交易稳定性等方面寻求平衡。
In cross-court cases, the court generally considers the borrower’s behavior as a criminal offense and directly determines that the loan contract is invalid, resulting in the contract as a security contract is also considered invalid. The new judicial precedent treats the loan contract as a changeable and revocable contract, recognizes the bank’s right of withdrawal from the contract, and strives to strike a balance between the interests of the victims and the stability of the transaction to the maximum extent.