民间借贷的刑法规制问题是一需要在立法层面深入讨论的问题,在现行刑法中存在着集资类犯罪是刑法介入民间借贷领域的表现,在行政刑法的角度上看,对于集资类犯罪的适用应该优先前置的行政法规的处罚,充分发挥规范的指导作用,刑罚手段的使用要遵循谦抑性原则,而不应产生一种泛刑法化的思维。 The issue of the criminal law and regulation of private lending is an issue that needs to be discussed in depth at the legislative level. In the existing criminal law, the crime of raising funds is the manifestation of criminal law intervening in the field of private lending. From the angle of administrative criminal law, Priority of pre-existing administrative penalties, give full play to the normative guiding role, the use of means of punishment to follow the principle of modesty and restraint, and should not produce a pan-criminal legal thinking.