摘要
套路贷是我国近些年出现的一种犯罪现象,有关司法解释对此作了规定。然而,对于在司法实践中如何正确认定套路贷犯罪,存在较大的争议。套路贷并不是独立罪名,而是以诈骗罪为核心的一个犯罪群组。从套路贷犯罪的构造分析,套路贷犯罪可以分为虚假债权设立阶段的犯罪和虚假债权实现阶段的犯罪。其中,以民间借贷为名,采用诈骗方法设立虚假债权的行为,成立诈骗罪,这是套路贷的主罪。如果没有诈骗罪,就不可能成立套路贷犯罪。在虚假债权实现过程中,采用侵害人身或者扰乱秩序的方法,可能触犯非法拘禁罪、非法侵入住宅罪、强迫交易罪、虚假诉讼罪、寻衅滋事罪等多种罪名。在套路贷犯罪的认定过程中,还应当正确区分套路贷犯罪和恶势力犯罪或者黑社会性质组织犯罪之间的界限。
Loan by fraud is a criminal phenomenon in China in recent years,the relevant judicial interpretation has made provisions for it.However,in judicial practice,there are great disputes about how to correctly identify the crime of loan by fraud.Loan by fraud is not an independent crime,but a crime group with fraud as its core.From the structural analysis of the crime,it can be divided into the crime of the establishment stage of false creditor’s rights and the crime of the realization stage of false creditor’s rights.Among them,in the name of private lending,the act of establishing false creditor’s rights by fraud is the crime of fraud,which is the main crime of loan by frauds.Without the crime of fraud,it is impossible to establish a loan crime.In the process of realizing false claims,using methods of infringing on person or disturbing order may commit many crimes,such as illegal detention,illegal invasion of residence,forced transaction,false litigation,picking quarrels and provoking troubles and others.In the process of determining the crime of loan by fraud,we should also correctly distinguish the boundary between the crime of loan by fraud and the crime of evil forces or the crime of mafia-type organization.
出处
《法制与社会发展》
CSSCI
北大核心
2021年第5期5-27,共23页
Law and Social Development
关键词
套路贷
诈骗罪
民间借贷
Loan by Fraud
Fraud Crime
Private Lending
