套路贷犯罪行为规制路径研究——以债务设定行为独立入罪为核心的分析

Research on the Path of Legal System in the Department of Routine Loan Crime

债务设定行为在套路贷犯罪活动中具有重要作用,其赋予了套路贷犯罪以典型意义,对债务设定行为的治理可有效地预防套路贷犯罪。债务设定行为具有行为目的的非法性、行为的欺骗性、行为的互动性和法益侵害的多元性等特点。现行对债务设定行为以诈骗罪论处的规制路径无法实现对债务设定行为的精准评价,司法惩治的现实需要呼吁新的治理路径。采取法益保护前置的思路,将债务设定行为独立入罪,既可实现对套路贷犯罪的精准评价,避免现有规制路径的不足,又能够发挥预防犯罪的效果,以实现对套路贷犯罪的有效治理。

Debt setting behavior plays an important role in routine loan criminal activities.It gives routine loan crime a typical meaning,and the governance of debt setting behavior can effectively prevent routine loan criminal activities.Debt setting behavior has the characteristics of illegality of behavioral purpose,deceptiveness of behavior,interaction of behavior and diversity of legal interest infringement.The current regulatory path for debt-setting behaviors as the crime of fraud cannot achieve accurate evaluation of debt-setting behaviors.The reality of judicial punishment requires a new governance path.By adopting the pre-legal protection of legal interests,the independent criminalization of debt setting behavior can not only realize the accurate evaluation of routine loan crimes,avoid the shortcomings of existing regulatory paths,but also exert the effect of crime prevention and realize the crime of routine loan crimes.Effective governance.