摘要
近年来,“套路贷”借助网络大肆传播,全国范围内发案数量以及受害人数急剧上升。立足于犯罪人角度的传统犯罪预防思路逐渐暴漏出其局限性与滞后性,从被害人学角度切入,深入分析网络套路贷中被害人群特征以及网络套路贷犯罪人与被害人之间互动关系。提出防控网络套路贷的五点建议以保护公民个人信息为出发点,建立互联网大数据行业合规监管体系;提高公民金融风险防范意识,降低网络套路贷犯罪被害人的被害性;明确互联网服务提供者的监督义务,防止网络套路贷广告等违法信息传播,阻断犯罪人与被害人之间的互动机会;将互联网金融科技知识教育应纳入国民教育体系,提高在校大学生风险防范意识,降低高被害风险人群的被害性;丰富合法民间信贷种类,降低个人借款门槛。
In recent years,with the help of Internet,the number of cases on“Trap Loan”and the number of victims in the whole country have increased dramatically.The traditional crime prevention ideas based on the offender’s perspective have gradually exposed its limitations and lags.The authors analyze the characteristics of the victims in the online-trap loan?and the interactive relationship between the offenders and the victims from the perspective of the victim science.The authors put forward five suggestions on prevention and control of network trap loan:establishing a regulatory system for the compliance of the Internet big data industry from the protection of personal information of citizens;raise awareness of citizens’financial risk prevention and reduce the victimization of victims of online routine loans;clarify the monitoring obligations of Internet service providers,and prevent the spread of illegal information such as online routine loans,and block the opportunities for interaction between offenders and victims;Internet financial technology education should be incorporated into the national education system,and improve the awareness of risk prevention among college students,and reduce the victimization of high-risk victims;enrich the types of certified private credit and lower the threshold for personal borrowing.
作者
刘晓梅
刘佳琪
LIU Xiao-mei;LIU Jia-qi(School of Law,Tianjin University of Technology,Tianjin 300382,China)
出处
《天津法学》
2020年第1期46-52,113,共7页
Tianjin Legal Science
关键词
网络套路贷
被害人分析
互动模式
被害预防
online-trap loan
analysis of the victim
interactive mode
victim prevention
作者简介
刘晓梅,女,天津工业大学法学院教授,刑事法研究中心主任,主要从事犯罪学和犯罪新闻传播学研究;刘佳琪,男,天津工业大学法学院2019级刑事法专业硕士研究生,主要从事犯罪学研究。
