“套路贷”的司法认定障碍及建议  

Judicial Challenges and Recommendations for Identifying“Deceptive Loan Schemes”

作　　者：朱小尧 ZHU Xiao-yao

机构地区：[1]东华理工大学文法与艺术学院

出　　处：《河北法律职业教育》2025年第2期117-122,共6页HEBEI VOCATIONAL EDUCATION OF LAW

摘　　要：近年来“套路贷”案件频繁发生,其触犯的罪名涉及诈骗罪、敲诈勒索罪、寻衅滋事罪、虚假诉讼罪等,尽管“套路贷”行为能够符合上述罪名的构成,但由于其行为的复杂性,在司法认定上难免会存在障碍,包括罪与非罪的界限模糊、民刑衔接不畅、法律条文不明确等,而要解决其认定问题,现阶段应当首先明确法律条文,准确评价“套路贷”犯罪,其次应当完善民刑衔接机制,同时应当考虑“非法放贷罪”的入罪问题。In recent years,cases involving“deceptive loan schemes”have become increasingly common,with offenses such as fraud,extortion,picking quarrels and provoking troubles,and false litigation.Although the actions of“deceptive loan schemes”may satisfy the elements of the aforementioned offenses,their complexity inevitably leads to challenges in judicial identification,including ambiguous distinctions between criminal and non-criminal acts,inadequate coordination between civil and criminal law,and unclear legal provisions.To address these identification challenges,the current phase should prioritize clarifying legal provisions and accurately assessing crimes related to“deceptive loan schemes.”Additionally,the coordination mechanism between civil and criminal law should be enhanced.At the same time,the criminalization of“illegal lending”should be considered.

关 键 词：套路贷 高利贷 司法认定 法律规制 

分 类 号：D924.3[政治法律—刑法学]