“套路贷”的概念辨析及相关疑难问题  

Discrimination of the Concept of“Trap Loan”and Related Knotty Problems

作　　者：刘仁文[1,2] 刘文钊 Liu Renwen;Liu Wenzhao

机构地区：[1]中国社会科学院法学研究所 [2]中国社会科学院刑法研究室 [3]中国社会科学院大学法学院 [4]天津市人民检察院第一分院

出　　处：《法治社会》2021年第4期26-37,共12页Law-Based Society

基　　金：国家社科基金重点项目“刑法的立体分析与关系刑法学研究”(项目编号:19AFX007)的阶段性成果。

摘　　要：对于"套路贷"的概念,存在狭义界定观与广义界定观的对立。狭义界定观将"套路贷"等同于犯罪行为,广义界定观却认为"套路贷"并不等同于犯罪行为。"套路贷"的认定,有必要转向广义界定观。之所以如此,不仅在于其能整合多种法律关系,也能统一犯罪行为与罪名认定的标准,更能实现"扫黑除恶"专项斗争的治乱需求。以此观念为指导,更利于划定"套路贷"的犯罪圈、准确认定非法占有的目的和合理确定犯罪数额。For the concept of“Trap Loan”,there is a contradiction between the narrow definition view and the broad definition view.The narrow definition view equates“Trap Loan”with criminal behavior,while the broad definition view believes that“Trap Loan”is not equivalent to criminal behavior.The identification of“Trap Loan”must shift to a broad definition.The reason for this is not only its ability to integrate multiple legal relationships,but also to unify the standards of criminal acts and charges,and to better fulfill the needs of the Special Struggle of“Combating Underworld Gangs”.Guided by this concept,it is more conducive to delimit the criminal circle of“Trap Loan”,accurately determine the purpose of illegal possession,and reasonably determine the amount of crime.

关 键 词：“套路贷” 非法放贷 罪刑法定原则 非法占有目的 

分 类 号：D924.3[政治法律—刑法学]