“套路贷”的法律问题与规制路径

Legal Issues and Regulatory Path of “Fraudulent Loan ”

"套路贷"是一种以民间借贷作为"合法外衣"的新型犯罪现象。"套路贷"案件与民间高利贷在行为的手段、目的、侵犯的客体以及法律后果上都有本质的区别,具有犯罪团伙化、取证困难和严重社会危害性的特点。通过分析"套路贷"案件中双方签订的合同性质、制造违约的方式以及软硬兼施的讨债手段等犯罪构成,确定侦破此类案件需要注意的要点,明确多个犯罪行为的罪名认定及涉及的共同犯罪问题。为预防"套路贷"案件的发展蔓延,从加强网络平台的监管、规范小额贷款公司、加大行政执法力度以及提高宣传力度的角度出发,提供理论支撑和参考意见。

“Fraudulent Loan“is a kind of new criminal phenomenon with folk loan as the“legal disguise”. With a series of traps, the fraudulent loan does great damage to the normal financial market order. There are essential dif. ferences between the cases of“Fraudulent Loan”and folk usury from the means, purpose, object of infringement and legal consequences,“Fraudulent Loan”is characterized with criminal gang, difficulty in obtaining evidence and serious social harmfulness. By analyzing the nature of the contract signed by both parties in the“Fraudulent Loan”case, the way in which the breach of contract is made and the means of collecting debts both hard and soft, the key points in the detection of such cases, and so on,the paper identifies the charges of multiple criminal acts and the joint crime involved, and presents theoretical support and reference suggestions to to prevent the develop. ment and spread of the cases of“Fraudulent Loan”, from the point of view of strengthening the supervision of net. work platform, standardizing the small loan companies, strengthening the enforcement of administrative law and improving the propaganda.