“套路贷”以诈骗罪论处之适当性探讨

Discussion on the Appropriateness of “Routine Loan” in the Crime of Fraud

诈骗罪成为"套路贷"类型犯罪的"口袋"罪名,有违罪刑法定原则。"套路贷"可分为暴力威胁型与平和手段型两种类型。以平和手段实施"套路贷"的,被害人并未受"骗"。以虚假诉讼手段进行索债的,应认定为虚假诉讼罪,不应以诈骗罪或是虚假诉讼罪与诈骗罪的想象竞合论处。打击"套路贷"应遵循刑事司法的谦抑品格,严守罪刑法定原则的底线。

The criminal policy aims to crack down on'routine loan'type of crimes.The crime of fraud has become a'pocket'crime of'routine loan'type of crimes,which violates the principle of legality of crimes.'Routine loan'can be divided into two types:violent threat type and peaceful means.The victim has not been'scammed'by implementing the'routine loan'with peaceful means.Those who use the'false litigation means'to claim debts shall be deemed to be false litigation crimes,and shall not be convicted of fraud or fraudulent litigation and fraud.Combating'routine loans'should follow the modest character of criminal justice and strictly abide by the bottom line of the principle of legality of crimes.