“套路贷”犯罪的刑事规制误区与法教义学审视

Misconception and the Dogmatic Review of the Crime of“Routine Loan”

“套路贷”实质上是一系列新型违法和犯罪的总称,目前在对其进行刑事规制时,存在着将“套路贷”行为认定为一个独立的刑法概念,主张将“高利贷”“套路贷”等单独入罪,将所有的“套路贷”犯罪都认定为诈骗罪等误区。对此,有必要从法教义学角度对“套路贷”行为进行规制,在具体处理“套路贷”犯罪时,一要明确“套路贷”犯罪与高利贷和非法讨债行为之间的区别在于“套路”,二要明确“套路贷”犯罪的违法实质在于其索债行为。

Actually,“routine loan”refers to a collection of newly-typed crimes and violations,but in current criminal regulations,it is mistaken for a kind of concrete crime and sorted to swindling.Therefore,it is necessary to define the crime of“routine loan”from the perspective of legal dogmatics.When investigating the“routine loan”cases,we should be clear of the difference between“routine loan”and illegal debt claims,and ascertain that the violation depends on its illegal behavior of debt claims.