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“套路贷”犯罪

前言

“TAOLUDAI”LEIXINGSHIANJIAN(YIXIAJIANCHENG“TAOLUDAIFANZUI”)ZUOWEIJINLIANGNIANZHONGDIANGUANZHUQIEGAOFADEFANZUIXINGWEI,CUNZAISHOUDUANXINYING、MIHUOXING、ZHUANYEXINGQIANGDENGTEDIAN,QIZHONGBUFAZHIFADONGFAZHEDECANYUSHEJI,TONGGUODUOZHONGXINGWEIDEZONGHEYUNYONG,SHIDEZHENGGETAOLUHUANHUANXIANGKOU,ZAIMEIYOUBEIFAXIANJIZUOWEIXINGSHIANJIANCHULIZHIQIAN,WANGWANGLIANMINSHIFAGUANYENANYIQUFEN。SUIZHEZHEILEIANJIANDEGAOFAERDAOZHISHEHUIWEIHAIXINGYUELAIYUEDA,ZHONGYUYINLAIGUOJIADEZHONGQUANDAJI。BIZHEZAIBANLIZHEILEIANJIANZHONGFAXIAN,YOUYUSHUYUXINXINGANJIAN,MEIYOUTONGYIQUANWEIDEGAINIAN、JIBENTEZHENGJIGUIDING,DAOZHISIFAJIGUANHEBIANHULVSHIJUNDUICIZHONGANJIANRENSHIBUZU,ZHISHIZAIRENDINGHEBIANHUJUNCUNZAIPIANCHA,SIFAJIGUANCHUXIANYIXIEMEIYOUYANGEJIANCHIZUIXINGFADINGHEZUIZEXINGXIANGSHIYINGYUANZE,CONGZHONGCONGKUAIPANCHUXINGFADEWENTI;ERBIANHUFANGMIAN,YECHUXIANXUDUOXIAOJIDEBIANHU。

正规的快三平台YOUJIANYUCI,BIZHEJIANGZIJIDEBANLICILEIANJIANZHONGDEXINDEYUSHOUJIZHENGLIDEZILIAOHUIZONGFACHU,XIANYUPIANFU,FENWEIDUOPIANFABIAO,JI“TAOLUDAI”FANZUIDEGAINIAN、JIBENTEZHENG,GEDIGUANYU“TAOLUDAI”FANZUIDEGUIDING,“TAOLUDAI”FANZUISHEJIZUIMINGDESHULI,GEDI“TAOLUDAI”FANZUIANJIANHUIZONGDENGWENZHANG。

“套路贷”与“套路贷”犯罪不是一个概念,“套路贷”包含了“套路贷”犯罪“套路贷”的形式多种多样,有“无抵押贷”“校园贷”“车贷”“房贷”“裸贷”等表现形式,只要不符合犯罪构成要件,就不属于刑事犯罪,既可以根据民事法律上否定其行为效力,也可以根据行政法律上对其进行处罚;而“套路贷”犯罪则是符合犯罪构成要件的犯罪行为,根据刑事法律对其行为作出否定性评价。因此,本系列文章仅梳理“套路贷”犯罪的相关问题。


概念、基本特征

正规的快三平台ZUIZAODUI“TAOLUDAI”JINXINGJIBENTEZHENGZONGJIE、FALVDINGXINGDESHISHANGHAISHIDESIFAJIGUAN。SHANGHAISIFAJIGUANZAIBANLICILEIANJIANGUOCHENGZHONG,ZONGJIECILEIANJIANDETAOLUWEI“ZHIZAOMINJIANJIEDAIJIAXIANG—ZHIZAOYINXINGLIUSHUIHENJI—DANFANGMIANSIYIRENDINGBEIHAIRENWEIYUE—EYILEIGAOJIEKUANJINE—RUANYINGJIANSHISUOZHAI”。

正规的快三平台ZAI2017NIAN8YUE28RI,SHANGHAISHIGAOJIRENMINFAYUANJUXINGXINWENFABUHUI,ZAIFABUSIQI“TAOLUDAI”ANLIDETONGSHI,XITONGDEZONGJIELE“TAOLUDAI”FANZUIDEWUDAJIBENTEZHENG,YEDUI“TAOLUDAI”YUGAOLIDAIDEQUBIEJINXINGLEFENXI。CIHOU,WULUNSHIMUQIANGUIFAN“TAOLUDAI”LEIXINGSHIFANZUIXIAOLIZUIGAODESIFAWENJIAN: 2018NIAN1YUE16RI《ZUIGAORENMINFAYUAN、ZUIGAORENMINJIANCHAYUAN、GONGANBU、SIFABUGUANYUBANLIHEIESHILIFANZUIANJIANRUOGANWENTIDEZHIDAOYIJIAN》(FAFA〔2018〕1HAO,YIXIAJIANCHENG“2018ZHIDAOYIJIAN”),HAISHIBUFENSHENGSHIDEGONGANJIGUAN、SIFAJIGUANDANDUHUOLIANHECHUTAILEBANLI“TAOLUDAI”XINGSHIANJIANDEZHIYIN,DUI“TAOLUDAI”FANZUIJIBENTEZHENGDEBIAOSHUJUNYANYONGSHANGHAISIFAJIGUANDEZONGJIE。

正规的快三平台JUTILAISHUO,CHUTAIWENJIANDEGEDISIFAJIGUANJUNRENWEI“TAOLUDAI”FANZUIDEJIBENTEZHENG(BIAOXIANXINGSHI)YOUYIXIAWUGEHUANJIEXIANGKOU:

(YI)ZHIZAOMINJIANJIEDAIJIAXIANG。FANZUIXIANYIREN、BEIGAORENWANGWANGYI“XIAOEDAIKUANGONGSI”“TOUZIGONGSI”“ZIXUNGONGSI”DENGMINGYIDUIWAIXUANCHUAN,XIYINBEIHAIRENJIEKUAN,JIERYI“WEIYUEJIN”“BAOZHENGJIN”“ZHONGJIEFEI”“XINGYEGUIJU”DENGGEZHONGMINGMUYOUPIANBEIHAIRENQIANDING“XUGAOJIEKUANHETONG”“YINYANGHETONG”“KONGBAIHETONG”YIJIFANGWUDIYAHETONG、FANGWUMAIMAIWEITUOSHUDENGMINGXIANBULIYUBEIHAIRENDEGELEIHETONG,ZHIZAOMINJIANJIEDAIJIAXIANG。YOUDEFANZUIXIANYIREN、BEIGAORENHAIYAOQIUDUIQIANSHUHETONGBANLIGONGZHENGSHOUXU,WEIZHIHOUDEXUJIASUSONGZHUNBEIZHENGJU。

正规的快三平台(ER)ZHIZAOZIJINZOUZHANGLIUSHUI。WEILEZHIZAOJIANGQUANBUJIEKUANJIAOJIBEIHAIRENDEJIAXIANG,FANZUIXIANYIREN、BEIGAORENJIANG“XUGAOJIEKUAN”JINEZHUANRUBEIHAIRENDEYINXINGZHANGHU,ZHIZAOYUJIEKUANHETONGYIZHIDEYINXINGLIUSHUI。SHIJISHANG,BEIHAIRENBINGWEIQUDEHUOZHEWANQUANQUDEZHUANRUYINXINGZHANGHUNEIDEQIANSHUQIANKUAN。

(SAN)DANFANGZAOCHENGWEIYUE。FANZUIXIANYIREN、BEIGAORENWANGWANGYISHEZHIGEZHONGWEIYUETIAOKUAN、ZHIZAOWEIYUEXIANJING、KEYIDUOBIHAIKUANDENGFANGSHI,SHIBEIHAIRENBUNENGYIZHAOHETONGHAIKUAN,ZAOCHENGBEIHAIRENWEIYUE。

(SI)EYILEIGAOJIEKUANJINE。ZAIBEIHAIRENWULICHANGHAI“XUGAOJIEKUAN”SHI,YOUFANZUIXIANYIREN、BEIGAORENBENREN、BENGONGSIHUOZHEQIZHIDINGDEGUANLIANGONGSI、GUANLIANRENYUANWEIBEIHAIRENCHANGHAI“XUGAOJIEKUAN”,JIERYUBEIHAIRENQIANDINGGENGGAOEDE“XUGAOJIEKUANHETONG”,FANZUIXIANYIREN、BEIGAORENTONGGUOZHEIZHONG“ZHUANDANPINGZHANG”“YIDAIHAIDAI”DEFANGSHIBUDUANLEIGAOJIEKUANJINE。

(WU)RUANYINGJIANSHI,EYITAOZHAI。ZAIBEIHAIRENWULICHANGHAI“XUGAOJIEKUAN”DEQINGKUANGXIA,FANZUIXIANYIREN、BEIGAORENTONGGUOBAOLI、XIEPO、“RUANBAOLI”、XUJIASUSONGDENGSHOUDUANSUOQU“ZHAIWU”。

正规的快三平台DUIYUSHANGSHUJIBENTEZHENG,BIANHULVSHIYINGDANGLAOLAOJIZHU,ZAIBIANHUGUOCHENGZHONG,JIEHEBEIGAOREN、FANZUIXIANYIRENDEXINGWEIHEZAIANZHENGJUJINXINGDUIBI,RUGUOBUFUHEHUOZHEBUNENGZHENGMINGFUHESHANGSHUTEZHENGDE,JUNYINGDANGJIANJUETICHUBUGOUCHENGFANZUIDEYIJIAN。

正规的快三平台“TAOLUDAI”BENSHENBINGFEIFALVYONGYU,YEMEIYOUFEICHANGMINGXIDEGAINIAN,YINCI“TAOLUDAI”FANZUIJIUGENGMEIYOUGAINIAN。JIEHESHANGSHUDEJIBENTEZHENG,KEYIDECHUYIGECHUBUGAINIAN,JI:

“套路贷”犯罪通常是指嫌疑人以非法占有为目的,通过与被害人签订借款合同,制造借贷假象,并以“违约金”、“保证金”等各种名目骗取被害人签订明显不利于被害人的合同条款,进而肆意认定被害人违约,侵吞被害人的财产的行为

区别

“套路贷”与高利贷行为的区别

正规的快三平台MUQIANGUIFANGAOLIDAIXINGWEIDEZHUYAOYOU《HETONGFA》JISIFAJIESHIGUIFAN,XINGZHENGFAGUIFANGMIANZHUYAOSHIZHONGGUORENMINYINXINGFABUDEGUIFANXINGWENJIAN,XINGFASHANGZHIYOUYIGE“GAOLIZHUANDAIZUI”JINXINGGUIZHI,DAN“TAOLUDAI”FANZUIYUGAIZUIMINGWUGUAN。

CONGMINSHIFALVSHANGLAISHUO,ZAIBUWEIFANMINSHIFALVGUANYUHETONGCHENGLISHENGXIAODETIAOJIANXIA,GAOLIDAIHETONGSHIHEFAYOUXIAODEHETONG,ZHISHIHETONGZHONGGUANYUGAOLIDAIHELIXIDEYUXIANKOUCHUDETIAOKUANWUXIAO,DANBUYINGXIANGZHENGTIDEHETONGXIAOLI。GENJU《HETONGFA》DIERBAIYISHIYITIAOZHIGUIDING,ZIRANRENZHIJIANJIEKUANLIXI,JIEKUANDELILVBUWEIFANGUOJIAYOUGUANXIANZHIJIEKUANLILVDEGUIDINGJIKE。MUQIANGENJU《ZUIGAORENMINFAYUANGUANYUSHENLIMINJIANJIEDAIANJIANSHIYONGFALVRUOGANWENTIDEGUIDING》(FASHI〔2015〕18HAO)DIERSHILIUTIAOZHIGUIDING,JIEKUANNIANLILV24%YINEIDE,RENMINFAYUANYUYIZHICHI,NIANLILV24%ZHI36%ZHIJIANDEBUFENWEIZIRANLIXI,YIRANBUWEIFA,ERCHAOGUONIANLILV36%DE,MINSHISHANGDEFALVHOUGUOWEICHAOGUOBUFENDELIXIBUSHOUFALVBAOHU,JIEKUANRENQINGQIUCHUJIERENFANHAIYIZHIFUDECHAOGUONIANLILV36%BUFENDELIXIDE,RENMINFAYUANYINGYUZHICHI。

YINCI,GAOLIDAIXINGWEISUIRANWEIFA,DANSHIBINGBUGOUCHENGXINGSHIFANZUI。

SHANGHAISHIGAOJIRENMINFAYUANZAI2017NIAN8YUE28RIDE“TONGBAOSHE‘TAOLUDAI’FANZUIANJIANSHENPANQINGKUANGXINWENFABUHUI”ZHONG,TICHU“TAOLUDAI”XINGSHIANJIANYUGAOLIDAICUNZAIYIXIAQUBIE:

DIYI,XINGWEIMUDEBUTONG。“TAOLUDAI”DE“JIEKUAN”SHIBEIGAORENQINTUNBEIHAIRENCAICHANDEJIEKOU,SUOYI“TAOLUDAI”SHIYI“JIEKUAN”WEIMINGXINGFEIFAZHANYOUBEIHAIRENCAIWUZHISHI。ERGAOLIDAICHUJIERENXIWANGJIEKUANRENANYUEDINGZHIFUGAOELIXIBINGFANHAIBENJIN,MUDESHIWEILEHUOQUGAOELIXI。

DIER,SHOUDUANFANGFABUTONG。(1)XUZENGSHUEDEMINGMUBUTONG。“TAOLUDAI”ZHONGXUZENGSHUEBUFENYIBANSHIYIDANBAOHUOLEISIMINGMUCHUXIAN,GAOLIDAIZHONGBENJINZHIWAIDESHUEWANGWANGYILIXIMINGYISHEDING。(2)JIEKUANRENDUIBENJINZHIWAIDESHUEZHUGUANRENSHIBUTONG。“TAOLUDAI”DEJIEKUANREN(BEIHAIREN)WANGWANGZAIQIANDINGJIEKUANHETONGSHIBEIGAOZHIRUZHENGCHANGHAIKUAN,XUZENGSHUEBUXUGUIHAI,GUZHUGUANSHANGRENWEIDUIXUZENGBUFENBUBICHANGHAI;GAOLIDAIDEJIEKUANRENDUIBENJINZHIWAIDEGAOLIXIBUFENXUYAOCHANGHAIZAIQIANDINGHETONGSHIJIMINGZHI。(3)CHUJIERENDUI“WEIYUE”DETAIDUBUTONG。“TAOLUDAI”ZHONGDEFANZUIRENYUANWEILEDADAOZHANYOUXUZENGKUANXIANGDEMUDE,WANGWANGCAIQUJUJIEDIANHUA、“SHIZONG”DENGFANGSHI,RANGBEIHAIRENZAIYUEDINGQIXIANNEIWUFAHAIKUAN,ERBUDEBU“WEIYUE”;GAOLIDAIDECHUJIEFANGXIWANGJIEKUANRENJINZAOHAIBENFUXI。

DISAN,QINHAIKETIBUTONG。“TAOLUDAI”QINHAIKETIDUO、SHEHUIWEIHAIDA,CONGYOUPIANHUOZHEQIANGPOBEIHAIRENQIANDINGHETONGDAOBAOLITAOZHAI、XUJIASUSONG,BUJINQINHAIBEIHAIRENCAICHANQUAN、RENSHENQUAN,HAIWEIHAIGONGGONGZHIXU,POHUAIJINRONGGUANLIZHIXU,SHENZHITIAOZHANSIFAQUANWEI,YANZHONGFANGHAISIFAGONGZHENG。ERGAOLIDAIZHUYAOSHIPOHUAIJINRONGGUANLIZHIXU。

DISI,FALVHOUGUOBUTONG。“TAOLUDAI”ZAIBENZHISHANGSHUYUWEIFAFANZUIXINGWEI,JIEKUANBENJINHELIXIBUSHOUFALVBAOHU。ERGAOLIDAITIXIANLESHUANGFANGYISIZIZHI,JIEKUANXINGWEIBENSHENJIYIDINGFUDUNEIDELIXISHISHOUFALVBAOHUDE。GENJU《ZUIGAORENMINFAYUANGUANYUSHENLIMINJIANJIEDAIANJIANSHIYONGFALVRUOGANWENTIDEGUIDING》,JIEDAISHUANGFANGYUEDINGDELILVCHAOGUONIANLILV36%,CHAOGUOBUFENDELIXIYUEDINGWUXIAO。JIGAOLIDAIBENJINJIFADINGLIXISHOUFALVBAOHU,CHAOGUOFADINGDEGAOELIXIBUFENBUSHOUFALVBAOHU。


正规的快三平台JINJIZHONGDAXINGSHIANJIANZIXUNKEZHIJIEJIAGUANGQIANGZHENGGUIDEKUAISANPINGTAIZHUREN、XINGSHIDAYAOANBIANHULVSHIWANGSILUWEIXINXIANGTAFANYING(TONGGUOWANGLVSHISHOUJI)

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