A Study On The Crime Of “Routine Loan”

The "Routine Loans" is extremely brutal for its criminal method,not only maliciously occupying the property of victims,but also seriously threatening the safety of the life of victims,and even disturbing the social stability.The formation of the "Routine Loans" crime has a close relationship with China's financial environment and private lending rather than an accidental phenomenon.And the formation of the "Routine Loans" crime has undergone a long period of evolution and alienation rather than a temporary phenomenon.Although the government and its relevant departments have increased their crackdown on "Routine Loans",there are still many lending platforms actively committing such crimes in various forms such as QQ group,We Chat group,Weibo,and post bar,etc.Therefore,this paper is a study on "Routine Loans",the new type of crimes.In the first part,gives an overview of the "routine loan" crime.First,the concept of "Routine Loans" crime is defined.Second,the characteristics of "Routine Loans" crimes are analyzed,including the characteristics of its offenders and victims,as well as its high incidence areas,and its typical patterns;Finally,the types of "Routine Loans" are divided into common types,criminal groups,and underworld organizations.In the second part,the causes of the "Routine Loans" case are analyzed.Combining the relevant theories of criminology and economics,the causes of the "Routine Loans" crime are analyzed in both the overall financial environment level and the individual special needs level.For the overall financial level,the causes include the commonness of private lending,the imbalance of financial supply and demand,and the proliferation of illegal micro-loan companies.For the individual level,the causes include the lack of risk awareness and legal common sense for victims and the higher yields for criminals.The causes mentioned above result in the rising trend of fraudulent crimes;In the third part,the current situation and difficult points in the governance of "Routine Loans" crimes are analyzed.First of all,since the crime of "Routine Loans" attracted attention and the crackdowns were gradually increased,some remarkable results had been achieved.Among them,Shanghai has taken the lead in strengthening the crackdown on "Routine Loans" crimes.It has shown a rapid growth of the number of cases close nationwide in the past three years.Although the "Routine Loans" governance has achieved certain results,it still cannot be slackened and should continue to increase crackdowns and publicity efforts.Secondly,the difficulties in the governance of "Routine Loans" include the "professionalism" of "Routine Loans" crimes,the lag in the prevention and control of administrative violations,and its characteristic that the it requires comprehensive management while the comprehensive system is difficult;In the fourth part,prevention and control countermeasures for "Routine Loans" crimes are proposed.First of all,we must strengthen the supervision and innovation in the financial field.Specifically,it includes expanding credit lending,activating private capital and developing online channels,building large-scale financing platforms and strengthening financial supervision,and establishing a systematic governance philosophy;Secondly,we must improve detection efficiency,continue to strengthen the crackdown on "Routine Loans" crimes,strengthen crime prevention education,publicize legal borrowing knowledge,and adhere to source prevention;Finally,prevention and control countermeasures in the individual level include establishing a rational consumption concept and strengthening awareness of prevention and control,strengthening awareness of relief after the event,and focusing on prevention for young people and fostering a good outlook on money as early as possible.At present,it is in the period of special campaigns for combating evils and eliminating evils.The author believes that we should continue to strengthen the crackdown on "Routine Loans" by means of the campaign of eradicating evils and eliminate evils to try to basically eliminated "Routine Loans" crimes.