互联网金融信贷消费中“冒用行为”的刑法规制

发布时间：2018-05-10 11:08

本文选题：互联网金融信贷消费 + 冒用行为　；参考：《福建法学》2016年03期

【摘要】：互联网技术的局限性和交易模式的虚拟化,将给互联网金融信贷带来新的法律风险。窃取他人账户和密码信息、并进而实施冒用行为,将成为金融刑法关注的重点。在"冒用行为"刑事责任的判定上,应当着重分析金融信贷消费法律关系中的刑法要素。在罪名判断上,当"冒用行为"针对的是由第三方金融机构所发行的贷款时,应以贷款诈骗罪定罪量刑。而若此贷款仅为电商自行发行,则"冒用行为"构成诈骗罪。在罪数关系的判断上,当手段行为又涉及非法获取计算机信息系统数据罪、帮助信息网络犯罪活动罪等罪名时,应当结合构成要件的规范功能和牵连犯、想象竞合犯的法律适用原理,确定一罪或数罪的刑事责任归属。
[Abstract]:The limitation of Internet technology and the virtualization of transaction mode will bring new legal risks to Internet financial credit. Stealing other people's account and password information, and then carrying out fraudulent behavior, will become the focus of financial criminal law. In the judgment of criminal liability, we should analyze the elements of criminal law in the legal relationship of financial credit consumption. In the judgment of charge, when the "falsehood" is directed at the loan issued by the third party financial institution, the crime of loan fraud should be convicted and sentenced. If the loan is only issued by an e-commerce company, then "fraudulent behavior" constitutes a crime of fraud. In the judgment of the relationship between crime and number, when the act of means involves the crime of illegally obtaining the data of computer information system and the crime of helping the criminal activities of information network, it should be combined with the normative function of the constitutive elements and the implicated crime. Imagine the principle of application of the law to determine the criminal liability of one or more crimes.
【作者单位】：华东政法大学;
【分类号】：D924.3

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