被害人视角下套路贷犯罪防控对策研究

Study on the Crime Prevention and Control Countermeasures of Tricky Loans from the Perspective of Victims

在套路贷犯罪中,犯罪人与被害人呈现出明显的二元互动双轨模式,从被害人角度深入剖析套路贷犯罪具有迫切的理论和实践需要。在套路贷犯罪案件中,被害人的被害性主要体现为被害的易感性、诱发性与受容性,且被害人在被害前、被害中、被害后都与犯罪人存在互动关系。可通过加强宣传引导教育、强化个人信息保护、树立救济意识等措施,削弱被害人的被害性;可通过加强借贷市场监管、完善社会共治、发挥大数据技术优势等措施,阻断被害人与犯罪人之间的互动性。

In the crime of tricky loans,the offender and the victim present an obvious dual-in⁃teraction and dual-track mode.There is an urgent theoretical and practical need to conduct an in-depth analysis of tricky loan crimes from the perspective of the victim.In tricky loan crime cas⁃es,the victim’s victimity is mainly reflected in the susceptibility,inducement and tolerance of the victim,and there is an interactive relationship between the offender and the victim before,during and after the crime.The victimity can be weakened by strengthening publicity,guidance and educa⁃tion,strengthening personal information protection,and establishing relief awareness;measures such as strengthening the supervision of the loan market,improving social co-governance,and leveraging the advantages of big data technology can block the interactivity between the victim and the offender.