“小额贷”诈骗之预防

发布时间：2018-05-18 00:41

本文选题：“小额贷”诈骗 + 犯罪原因　；参考：《中国人民公安大学学报(社会科学版)》2017年05期

【摘要】："小额贷"诈骗是一种新型诈骗犯罪,它以小额贷款的名义引诱借款人,但以个人名义与借款人签订借款协议规避本身没有小额贷款资质的法律风险,以大幅虚增协议借款金额的办法使借款人陷入巨额债务并回避了高利贷的法律风险,严重危害借款人人身财产利益和社会秩序。"小额贷"诈骗的发生原因可以从两个方面来理解:一是宏观角度,我国犯罪结构中诈骗犯罪的高发为具有犯罪结构性条件的犯罪人提供了学习机会;二是微观角度,被害人防骗意识和能力不高、社会监管的缺失、公共服务机构的不规范操作等因素为犯罪团伙的选择提供了机会条件。针对"小额贷"诈骗的预防主要从抑制犯罪机会、减少犯罪促进因素等情境预防策略着手,但也不可忽视社会诚信的培育和社会结构因素带来的犯罪风险的消除。
[Abstract]:"small loan" fraud is a new type of fraud crime, which lures borrowers in the name of small loans, but signs loan agreements with borrowers in the name of individuals to avoid the legal risk that they do not have the qualification of small loans. By substantially increasing the amount of money borrowed by the agreement, the borrower is plunged into huge debts and avoids the legal risk of usury, which seriously endangers the borrower's personal and property interests and social order. " The reasons for the occurrence of small loan fraud can be understood from two aspects: first, from a macro perspective, the high incidence of fraud crime in our country's criminal structure provides learning opportunities for criminals with structural conditions of crime; second, from a micro perspective, The lack of awareness and ability of the victim to prevent fraud, the lack of social supervision, and the non-standard operation of public service organizations provide opportunities for the choice of criminal gangs. The prevention of "small loan" fraud mainly starts with the situation prevention strategy, such as restraining the crime opportunity and reducing the crime promotion factor, but we should not ignore the cultivation of social honesty and the elimination of the crime risk brought by the social structure factor.
【作者单位】：华东政法大学;
【基金】：2017年度华东政法大学“‘高峰高原’以外学科创新团队建设”项目“法治视野下的犯罪预防战略研究”阶段性成果
【分类号】：D917.6

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