“套路贷”犯罪特点与刑法规制研究

Research on the characteristics of “trick loan” crime and criminal regulation

随着民间借贷市场不断的普及和发展,被称为"套路贷"的借贷形式在我国部分经济发达城市开始盛行。套路贷和高利贷有着本质的区别。套路贷往往表现为阴阳合同、虚假诉讼、单方增加债务、暴力催债等犯罪形式。在对"套路贷"与高利贷问题厘清的基础上,对"套路贷"的犯罪行为模式进行甄别分析,并对"套路贷"的刑法规制提出对策建议,以期更好的打击此类犯罪,保护受害人合法权益,保障我国社会和经济秩序。

With the continuous popularization and development of the private loaning market,the form of loaning known as“trick loan”has begun to prevail in some developed cities in China.There is a fundamental difference between trick loans and usury loans.The trick loans often manifest as criminal forms such as dual contracts,false lawsuits,unilaterally increasing debts,and violent debt collection.Based on the clarification of the problems of“trick loans”and usury loans,we conducted a screening analysis of the criminal behavior patterns of“trick loans”and proposed countermeasures for the criminal regulation of“trick loans”,in order to better combat such crimes,protect the legitimate rights and interests of victims and protect our social and economic order.