贷款诈骗罪认定中的疑难问题研究

发布时间：2018-06-16 12:38

本文选题：贷款诈骗 + 非法占有为目的　；参考：《西南政法大学》2011年硕士论文

【摘要】：在市场经济蓬勃发展的今天,金融业在社会主义市场经济的发展中起到了重要的作用。而在银行金融业务中,信贷又是支持在市场经济洪流中激昂前行的各类市场主体的一个有效助力。通过信贷业务,各类市场主体可以不受现有资金的约束,克服资金困难,扩大经营规模。但是,在银行信贷业发展的同时,一些针对信贷业的金融犯罪也随之出现。其中,贷款诈骗罪就是这些金融犯罪中比较多发的一种。信贷业中的贷款诈骗,使信贷业出现了一个恶性循环。不法借贷人,尤其是市场经济商业领域的诸多不法商人,企图千方百计从金融机构中非法获取贷款,作为其创业的“第一桶金”或者解决其经营中的资金问题。而金融机构经历了数次贷款有去无回,造成诸多死账坏账、遭受巨大经济损失的情况下,也一再严格贷款条件。而对于贷款人严格的贷款条件无法满足,他们转而热衷于通过非法手段获取贷款,这便造成了一个借贷行业的恶性循环。为了保证金融信贷业和市场经济的正常发展,必须严厉打击贷款诈骗罪。因此我们必须结合国外关于贷款诈骗犯罪的立法,不断完善我国刑法关于贷款诈骗罪的规定,认真分析贷款诈骗罪认定中的一些疑难问题,正确认定贷款诈骗罪。本文共分为四个部分,大约3万字,主要内容为：第一部分：贷款诈骗罪基本概况。该部分总结了我国刑法设立贷款诈骗罪的经过以及我国刑法中对贷款诈骗罪的规定。同时分析了国外行为犯立法模式与我国结果犯立法模式的利弊。最后对金融机构贷款的程序规则进行了介绍和分析。第二部分：“以非法占有为目的”的认定。该部分从实然和应然的角度对非法占有为目的这一贷款诈骗罪的必要主观要件的认定进行了分析。认为应当按照主客观相一致的原则对这一主观要件进行认定,并提出认定这一要件所要考察的具体方面。最后重点分析事后产生非法占有为目的的行为的认定,认为行为人贷款后才产生非法占有的目的,不应定为贷款诈骗罪,这种情况只能根据数额和情节作为普通的贷款纠纷或者侵占罪论处。第三部分：贷款诈骗的共同犯罪。该部分对贷款诈骗罪的共同犯罪分为外部人贷款诈骗的共同犯罪和内外勾结的贷款诈骗罪的共同犯罪两个部分进行分析。外部人贷款诈骗的共同犯罪较容易认定,只要根据共同犯罪理论基本就可确定。内外勾结的贷款诈骗的共同犯罪的定性要具体分析内部人在贷款中的作用,以及具体分析金融机构是否被骗。据此确定这种情况下是定性为贷款诈骗罪的共同犯罪还是贪污罪或职务侵占罪的共同犯罪。第四部分：贷款诈骗罪认定中的界限。该部分从贷款诈骗罪与非罪的界限、此罪与彼罪的界限两个部分进行分析。在罪与非罪中具体解决了贷款诈骗罪与贷款纠纷的界限、有担保的贷款诈骗的行为的认定、贷款诈骗罪中数额的认定三个方面进行阐述。在此罪与彼罪的界限中解决了贷款诈骗罪与诈骗罪和合同诈骗罪的界限、贷款诈骗罪与冒名贷款行为的界限、贷款诈骗罪与贪污罪或职务侵占罪的界限等等。
[Abstract]:With the rapid development of the market economy, the financial industry plays an important role in the development of the socialist market economy. In the banking financial business, credit is also an effective support for all kinds of market entities that are driving forward in the flood of the market economy. Through the credit industry, various market bodies can not be funded by the existing funds. Constraints, to overcome financial difficulties, expand the scale of operation. However, in the development of the bank credit industry, some of the financial crimes against the credit industry also arise. Among them, the crime of loan fraud is one of the more frequently occurring in these financial crimes. There are many illegal businessmen in the market economy, trying to get loans illegally from financial institutions, as "the first bucket of gold" or to solve the financial problems in their business. The financial institutions have gone through several loans, which have caused many bad debts and suffered huge economic losses. In order to ensure the normal development of the credit industry and the market economy, the loan fraud must be severely punished. Therefore, we must combine the foreign countries with foreign countries in order to ensure the normal development of the financial credit industry and the market economy. On the legislation of loan fraud crime, we constantly improve the provisions of the crime of loan fraud in the criminal law of China, analyze some difficult problems in the identification of the crime of loan fraud and correctly identify the crime of loan fraud. This article is divided into four parts, about 3 thousand words, the main content is:
The first part is the basic situation of the crime of loan fraud. This part summarizes the passage of the crime of loan fraud in China's criminal law and the provisions on the crime of fraud in the criminal law in our country. At the same time, it analyzes the advantages and disadvantages of the legislative mode of foreign act offenders and the legislative mode of the result offenders in our country. Analysis.
The second part: the identification of "the purpose of illegal possession". This part analyses the necessary subjective requisites of the crime of fraud for the purpose of illegal possession from the point of view of reality and deserved. At the end of this paper, we focus on the identification of the act of illegal possession for the purpose of causing the illegal possession after the loan, which should not be the crime of loan fraud. This situation can only be used as an ordinary loan dispute or the crime of encroachment according to the amount and plot.
The third part: the joint crime of loan fraud. This part analyzes the common crime of the crime of fraud of loan fraud into two parts: the joint crime of the external person loan fraud and the joint crime of the loan fraud of the inside and outside collusion. The common crime of the fraud of the external person loan is easier to be identified, as long as it is basically true according to the theory of common crime. The qualitative analysis of the role of the internal and external collusion in the joint crime of fraud is to analyze the role of the insider in the loan and the specific analysis of whether the financial institutions are deceived. In this case, it is determined that the joint crime of the crime of fraud of the loan or the common crime of the crime of embezzlement or duty embezzlement is determined in this case.
The fourth part: the boundary of the crime of loan fraud. This part analyses the boundary between the crime of fraud and the non crime, and the two parts of the boundary between the crime and the crime. In the crime and the non crime, the boundary of the loan fraud and the loan dispute is concretely solved, the affirmation of the secured loan fraud and the determination of the amount of the amount of the loan fraud is three. The boundary between the crime of loan fraud and the crime of fraud and contract fraud, the boundary of the crime of loan fraud and the impostor loan, the boundary of the crime of loan fraud and the crime of embezzlement or the crime of occupying duty, etc.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D924.3

【参考文献】