高利贷“行规”“套路贷”“套路”的辨别与本质分析

Discrimination and Essential Analysis on Usury Regulations,Trick Loan and Set Pattern

随着经济的发展,新技术及网络平台的应用,民间借贷的方式越来越多,只有读懂读透法律对“套路贷”中“虚增借贷金额”“恶意垒高借款金额”等“套路”规定的本意,了解清楚“套路贷”与“高利贷”的区别,才能在经济往来中遵纪守法,利用科技手段维护民间借贷秩序。

With the development of economy,applications of new technologies and network platform,ways of private lending are more and more. Only understanding real meaning of legal regulation on inflated debts,maliciously increasing loan amount of trick loan,knowing the difference between trick loan and usury,can comply with the law in economic transactions,maintain the order of private lending by scientific and technological means.