“小额贷”诈骗之预防

Preventive Strategies for the “Small loan” Fraud

"小额贷"诈骗是一种新型诈骗犯罪,它以小额贷款的名义引诱借款人,但以个人名义与借款人签订借款协议规避本身没有小额贷款资质的法律风险,以大幅虚增协议借款金额的办法使借款人陷入巨额债务并回避了高利贷的法律风险,严重危害借款人人身财产利益和社会秩序。"小额贷"诈骗的发生原因可以从两个方面来理解:一是宏观角度,我国犯罪结构中诈骗犯罪的高发为具有犯罪结构性条件的犯罪人提供了学习机会;二是微观角度,被害人防骗意识和能力不高、社会监管的缺失、公共服务机构的不规范操作等因素为犯罪团伙的选择提供了机会条件。针对"小额贷"诈骗的预防主要从抑制犯罪机会、减少犯罪促进因素等情境预防策略着手,但也不可忽视社会诚信的培育和社会结构因素带来的犯罪风险的消除。

＂Small loan＂scam is a kind of new kind crime,it lured borrowers in the name of small loans,but signed the loan agreement with the borrowers in the name of the individual avoiding the legal risk they face because they has no small-loan qualification,and brought the borrowers into a heavy debt by means of greatly inflated the amount of loan in the agreement and avoid the risk of usury,and caused serious damage to the borrower＇s personal property interests and social order. The occurrence of ＂small loan＂fraud come mainly from two aspects. One is the macro perspective,the high incidence of fraud crime today in our crime structure provides learning opportunities for the individuals whom want to commit crime; the second is the micro angle,the lack of social supervision provides the criminal crime opportunity. For example,the victims lack prevention consciousness and ability,and public service institutions have non-standard operation. Therefore,the prevention strategy to the ＂small loan＂fraud our choice mainly are to inhibit or eliminate crime opportunities and promoting factors.