保险诈骗犯罪若干问题研究

发布时间：2018-03-07 04:16

本文选题：保险诈骗罪　切入点：数额　出处：《郑州大学》2017年硕士论文　论文类型：学位论文

【摘要】：我国刑法第198条规定的保险诈骗罪,是一种侵害财产占有的犯罪,属于传统的侵财性犯罪。对于一般的保险诈骗案件而言,在定罪量刑方面并无疑难问题。但是,随着社会深刻变革和刑事法律体系的变化,对刑事司法实践中存在的新农合领域保险诈骗行为、保险诈骗罪的数额和车辆保险诈骗罪等一些问题,需要进行深入的探讨,以期为进一步完善立法和准确司法提供理论参考。第一部分主要是在概述保险诈骗罪的内涵和刑法规制现状的基础上对保险诈骗罪共性的、总则上保险诈骗数额予以认定。本部分在厘定保险范畴基础上,通过对我国刑法理论中关于保险诈骗罪的概念的评析,结合当下的刑事法律规定,结合保险诈骗罪的案发状况,提出所谓保险诈骗罪,是指投保人、被保险人、受益人违反相关保险法律法规或政策性规定,以使自己或者第三者非法占有保险金为目的,采取虚构保险标的、保险事故或者制造保险事故等方法,骗取保险金,数额较大的行为。然后紧接着分析了保险诈骗罪有别于其他诈骗罪的特殊性,在此基础上回顾我国保险诈骗罪的刑事规制历程,并指出其在数额认定以及特殊领域的立法上存在的问题。接下来就主要围绕保险诈骗罪中的数额巨大、数额特别巨大的认定和单位与自然人共同犯保险诈骗罪数额的认定两方面来进行论述。笔者认为,保险诈骗罪中的数额巨大、数额特别巨大的认定应参照诈骗罪中数额巨大、数额特别巨大的认定标准。而单位与自然人共同骗保则应分定罪数额和量刑数额区别对待,而不能简单地“一刀切”。其中,关于单位与自然人共同骗保定罪数额的认定,笔者比较赞同分别以各自犯罪主体的数额标准来定罪,至于量刑数额的标准原则上则以主犯的量刑标准为基点,只是在处理单位是主犯时这种情况,从单位的主体身份入手,运用有身份者与无身份者共同犯罪的相关理论处理单位主犯与自然人从犯之间的量刑幅度问题。第二部分主要是解决新型农村合作医疗保险领域的保险诈骗行为的定性问题。通过对新农合医疗保险领域的保险诈骗的典型案例评析,得出新农合领域保险诈骗行为是由于立法的空白和其社会属性的缺失而造成司法实践中认定为诈骗罪、合同诈骗罪以及保险诈骗罪的同案不同判的异象。因此,在梳理新农合领域保险诈骗罪犯罪构成和明确新农合医疗保险社会保险属性的基础上,笔者结合我国的立法现状,通过对新农领域的保险诈骗行为与诈骗罪、合同诈骗罪、保险诈骗罪这三组相近罪名辨析,指出新农合领域的保险诈骗行为不能成立诈骗罪,也不能成立保险诈骗罪,而应增设单独的社会保险诈骗罪在来予以规制。第三部分则主要围绕车辆保险诈骗罪的刑法规制展开。本部分从最容易发生保险欺诈的环节的事故事实与损失程度入手,总结出车辆保险诈骗具有手段多样、隐蔽性、主体复杂化和内外勾结组团的特征,并进一步指出车辆保险诈骗履禁不止的根本原因在于保险的自身特性、交管部门把关不严和信息不对等。对此,笔者指出应从刑事实体法上增设车辆保险诈骗罪,且在刑事程序法上也要完善事故处理部门勘验现场的细则、规定。
[Abstract]:China's criminal law provisions of article 198th of the crime of insurance fraud, is a violation of property crime, crime belongs to the usurpation of the tradition. For the general insurance fraud cases, there is no problem in terms of conviction and sentencing. However, with the change of society and profound changes in the criminal legal system, the existence of criminal judicial practice new field of insurance fraud, some problems of the crime of insurance fraud and the amount of vehicle insurance fraud, the need for in-depth discussion, in order to further improve the legislation and judicial accurately and provide a theoretical reference. The first part is mainly based on summarizing the connotation and the regulations of the criminal law on the crime of insurance fraud crime of insurance fraud in common, the general insurance fraud amount to be identified. This part in the insurance category on the basis of on insurance fraud concept in our criminal theory analysis of the assessment,. With the current criminal law, combined with the status of insurance fraud, the crime of insurance fraud, refers to the insured, the insured, the beneficiary in violation of relevant laws and regulations or insurance policy provisions, in order to make their own or third party insurance for the purpose of illegal possession, take the fictional insurance object, insurance accident or manufacturing the insurance accident, the insurance claim, a large amount of behavior. Then followed by an analysis of the crime of insurance fraud is different from other crime of fraud, criminal regulation on the basis of review of insurance fraud in China history, and points out the problems existing in the determination of the amount and special areas of legislation on the next. It mainly focuses on the crime of insurance fraud in a huge amount, huge amount of identification and units and natural persons jointly committed amount of insurance fraud identified two aspects. The author thinks that, Paul Insurance fraud in the huge amount, huge amount that should refer to the crime of fraud in a huge amount, huge amount of standards. The unit and natural person shall be convicted of common pianbao amount and the amount of distinction, and not simply "across the board". The identification of the amount of units and individuals together cheat Baoding crime, the author agrees in their respective subject of crime amount standard to conviction, the principle of sentencing amount standard is based on the principal of sentencing standards as the basis, but the processing units in this situation is the principal, starting from the unit of the main identity, sentencing range between the identity and the identity the common crime theory of principal processing unit and natural person accessory. The second part is the qualitative solution of insurance fraud in new rural cooperative medical insurance field. Questions. Through the typical case of new rural cooperative medical insurance field of insurance fraud, insurance fraud is that medical field due to the lack of legislative gaps and their social attributes caused identified as fraud in judicial practice, the crime of contract fraud and insurance fraud somesentence vision. Therefore, constitute the basis of NCMS and clear medical insurance social insurance property insurance fraud in the sort of NCMS field crime, according to China's legislative situation, through insurance fraud and fraud of the new rural areas of crime, the crime of contract fraud, the crime of insurance fraud in the three groups of similar charges of insurance fraud, that not guilty of fraud in the field of NCMS, too no insurance fraud, and should be added to separate social insurance fraud to be regulated. The third part focuses on vehicle insurance fraud. The regulations of the criminal law. This part of the most prone to accident insurance fraud link facts and the degree of loss of vehicle insurance fraud has summed up a variety of means, concealment, complexity and main collusion group characteristics, and further pointed out that the fundamental reason of vehicle insurance fraud shoe prohibition is the insurance of its own characteristics, the traffic control department not strict and the information asymmetry. In this regard, the author pointed out that the creation of vehicle insurance fraud crime from the criminal entity law, and the criminal procedure law should also improve the handling of the accident scene inspection department rules, regulations.

【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D924.3

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