“套路贷”案件侦查对策研究

A Study of the Investigative Countermeasure to “Taolu Loan” Cases

"套路贷"公司假借民间借贷的名义与被害人签订虚假借款协议,以多种方式故意造成被害人"违约",要求被害人支付高额"违约金",采用上门"家访"等暴力催收手段或虚假诉讼等多种方式胁迫被害人还款,并通过"转账平账"层层垒高被害人虚假债务金额。"套路贷"类型犯罪严重侵害公民个人人身及财产安全,危及社会治安秩序,应予以刑事处罚。在侦办"套路贷"案件过程中,应秉持侦查经营的理念,以揭露"套路贷"团伙全部犯罪事实为目标,悉心组织证据体系。侦查策略方面应把握住此类案件涉众性特点和团伙的组织结构化特征,通过被害人陈述和犯罪嫌疑人之间相互指认逐步查明团伙架构,再利用分化瓦解的策略方法突破同案犯之间的攻守同盟,逐步查明涉案团伙的罪行。

＂Taolu Loan＂ companies sign false loan agreements with the victims in the name of nongovernmental lending, intentionally causing the victims to ＂breach the contract＂ in various ways and requiring the victims to pay high ＂liquidated damages＂, ＂home visits＂ and other violent means of collection or false litigation to coerce the victims to repay. Then through the ＂transfer account＂, the amount of false debts of the victims is increased. ＂Taolu loan＂ is a new type of crime that seriously infringes on the safety of citizens＇ personal property, endangers social order, and thus should be penalized. In the process of investigating the case of ＂Taolu loan＂, we should uphold the concept of investigative management, set the goal as exposing all the facts of the crime and carefully organize the evidence system. When adopting the investigative strategy, we should grasp the characteristics and essence of such cases and the organizational structure of the group. Through the account of the victims and the mutual account of the suspects, the structure of the group should be gradually identified, and then the strategic method of disintegration is used to break through the offensive alliance between the suspects. The crime facts of the group can be identified gradually.