“套路贷”案件的司法认定问题探究

Analysis of the Issue of Judicial Determination of“Trap Loan”

正确处理“套路贷”案件中的诈骗罪罪名适用问题,必须以罪刑法定原则为前提,被害人处于“明知”状态下而借款的,行为人主观上不具有诈骗故意,不应以诈骗罪论处,其行为应根据刑法及司法解释等相关规定处罚;为避免量刑畸重,司法机关在认定犯罪数额时应扣除本金所产生的合法孳息。

Legally prescribed punishment should be regarded as the prerequisite to determine whether the crime of fraud is charged in cases of“Trap Loan.”If the victim is well aware of the situation when borrowing money,the perpetrator should not be convicted of fraud since s/he has no intention to defraud subjectively.S/he should be punished following relevant provisions of the Criminal Law and/or judicial interpretation.In order to avoid excessive sentencing,the legitimate interest that has accrued on the principal should be deducted when the amount involved in the crime is calculated.