“套路贷”犯罪行为及涉黑化问题研究

Study on the Criminal Behavior of＂ Routine loan ＂ and Its Blackening

“套路贷”犯罪是一种新型犯罪模式，其犯罪行为具有多样性，通常是构成以诈骗行为为目的行为，其他行为为手段行为的牵连犯，但因敲诈勒索行为与诈骗行为的互斥关系，应当结合具体实际进行事实判断。“套路贷”具有严密组织性以及暴力性，有一定的涉黑化倾向，但因其危害性特征暂不属于黑社会性质组织犯罪，仍需对其进行积极预防，避免行为进一步恶化。

＂Routine loan＂ crime is a new type of criminal model. Its criminal behavior is diverse. It usually constitutes an act of defrauding behavior, and other acts are implicated acts of means. However, it is necessary to pay attention to extortion. The mutually exclusive relationship with fraud should be based on actual facts. ＂Routine loan＂ has strict organization and violent nature, and has certain tendency to blacken. However, because its harmful characteristics do not conform to the crime of organized crime, it still needs to be actively prevented to prevent further deterioration of behavior.