Analysis Of The Legal Issues Of "routine Loans"

In recent years,the illegal and criminal activities of "routine loan",which take the external manifestations of small loans,unsecured loans,house loans,car loans,campus loans and internet loans,have resulted in serious losses because of their bad behavior means,difficulties in identifying and obtaining evidence,and serious consequences,especially by some " Organized violent crime " as a means of wealth,caused the whole society’s wide attention,the voice of strict crack down on the rising.However,on the basis of civil loans,interlocking routines,the performance of false set by law,to punish "routine loans" illegal criminal activities brought a certain resistance.In view of the essential attribute that "routine loan" is a variation of usury,this paper analyzes its action effect in the civil field,the related legal issues in the criminal field,such as crime and non crime,joint crime,amount calculation involved in the case,and whether to establish self-help behavior,etc.,and concludes that special laws and regulations can be adopted to regulate the lending behavior and reasonably divide the burden of proof to promote the balance between the two sides We should strengthen the supervision of private lending and shake the foundation of "routine",so as to find a more effective way of relief for the victims of "routine" and provide more reference for judicial practice.