自我答责基准下骗取贷款行为的出罪认定

发布时间：2019-03-03 11:06

【摘要】：骗取贷款行为刑法规制成效不容乐观,亟待反思与完善。在类型化梳理骗取贷款行为司法判例作实证研究的基础上,提倡在被害人自我答责理论指导下对骗取贷款行为适时考虑对借款人予以出罪,相应追究贷款人自身的法律责任。消极责任主义和实质刑法解释学的刑事法治立场可为这一举措提供理论上的助益。实践中应根据罪刑法定原则作目的性限缩解释以确保在自我答责下实现借款人出罪与贷款人归责的合理性,而不可任意扩大其适用范围。该举措旨在寻求平衡与协调借款人与贷款人之间借贷利益关系的有效路径以切实解决融资难等实际问题,进而既全面有效保护借贷双方法益,又有利于促进我国社会主义市场经济创新与协调发展。
[Abstract]:The effect of criminal law regulation on fraudulent loan behavior is not optimistic, so it is urgent to reflect and perfect it. On the basis of the empirical research on the judicial jurisprudence of the type of credit fraud, the author advocates that under the guidance of the victim's theory of self-accountability, the borrower should be criminalized in a timely manner, and the lender's own legal responsibility should be investigated accordingly. The position of criminal rule of law based on negative responsibilism and substantive criminal law hermeneutics can provide a theoretical benefit for this measure. In practice, the aim should be limited according to the principle of legality of crime and punishment in order to ensure that the rationality of the borrower's crime and the lender's imputation can be realized under the self-responsibility, and the scope of its application should not be expanded arbitrarily. The aim of the initiative is to find an effective way to balance and coordinate the interest relationship between borrowers and lenders in order to effectively solve practical problems, such as financing difficulties, and thus to protect the legal interests of both lenders and borrowers in an all-round and effective manner. It is also beneficial to promote the innovation and coordinated development of our socialist market economy.
【作者单位】：南京大学法学院;
【基金】：教育部人文社会科学研究项目“经济犯罪刑事政策研究”(11YJA820062)
【分类号】：D924.3

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