“套路贷”犯罪特点、手段及打防对策研究

Study on the Characteristics,Means and Countermeasures of“Routine Loan”Crimes

近年来,随着扫黑除恶专项斗争的不断深入,以“套路贷”为代表的新型犯罪活动成为打击的重点,此类案件受害人数众多、涉及面广,往往与黑恶势力交织,极易诱发各类暴力性犯罪和群体性事件,严重影响经济金融秩序运行和公民人身财产安全,进而影响社会稳定。但因为此类犯罪常常打着民间借贷的幌子使得侦查机关难以对其甄别、打击和防范,本文在对“套路贷”犯罪的特点和手段流程做出解析基础之上,提出针对此类犯罪的甄别、打击和防范对策,以提升侦查打击效能。

In recent years,with the continuous deepening of the campaign to crack down on gang crime,new types of criminal activities represented by“routine loan”have become the focus of crackdown.Such cases have a large number of victims,and often involving gangs,it is easy to induce all kinds of violent crimes and mass incidents,which seriously affects the operation of economic and financial order and the safety of citizens'personal and property,and then affects social stability.However,for such crimes are often under the guise of private lending,it is difficult to identify,crack down,and prevent for investigating agencies.Based on the analysis of the characteristics and means of"routine loan"crimes,this article proposed corresponding countermeasures to improve the effectiveness of investigation and crackdown.