摘要
套路贷是一种新兴犯罪现象,其概念本身具有一定的宽泛性和模糊性。套路贷行为人为实现非法占有目的,通常会采取较为模式化、固定化的套路精心制造出民间借贷的虚假外观,因此,主观上的非法占有目的和虚假的民间借贷外观成为认定套路贷的基本标准。套路贷的行为步骤包括借贷行为与索债行为。严重的社会危害性和民事、行政手段不足决定了由刑法规制套路贷行为的必要性。套路贷犯罪本质上属于民间借贷,或者根源于民间借贷问题。通过对套路贷行为的定性分析,可以得出套路贷行为构成刑法上的诈骗罪,欺骗行为同时具有胁迫或暴力性质时可以被认定为催收非法债务罪。
Routine loan is an emerging criminal phenomenon, with the features of certain universality and ambiguity. In order to realize the purpose of illegal possession, the actors of routine loan usually adopt a more typical and fixed routine to carefully create the false appearance of private lending. Therefore, the subjective purpose of illegal possession and the false appearance of private lending become the basic standards for identifying routine loan. The behavioral steps of routine loans include borrowing behavior and debt collection behavior. The serious social harm of routine loans and the lack of civil and administrative sanctions determine the necessity of criminal regulations. The essence of routine loan crime belongs to private lending, or is rooted in the problem of private lending. Based on the qualitative analysis of routine loan behavior, it can be concluded that routine loan behavior constitutes a crime of fraud in the criminal law, and when the deception is also coercive or violent, it may be regarded as the crime of collecting illegal debts.
作者
李淑娟
宁宁
LIShu-juan;NING Ning(School of Law,Zhengzhou University,Zhengzhou Henan,450001)
出处
《山西大同大学学报（社会科学版）》
2022年第2期10-15,共6页
Journal of Shanxi Datong University(Social Science Edition)
关键词
套路贷
非法占有目的
诈骗罪
催收非法债务罪
routine loan
purpose of illegal possession
crime of fraud
crime of collecting illegal debts
