本文選題：貸款詐騙 + 非法占有為目的��； 參考：《西南政法大學》2011年碩士論文

【摘要】：在市場經濟蓬勃發(fā)展的今天,金融業(yè)在社會主義市場經濟的發(fā)展中起到了重要的作用。而在銀行金融業(yè)務中,信貸又是支持在市場經濟洪流中激昂前行的各類市場主體的一個有效助力。通過信貸業(yè)務,各類市場主體可以不受現(xiàn)有資金的約束,克服資金困難,擴大經營規(guī)模。但是,在銀行信貸業(yè)發(fā)展的同時,一些針對信貸業(yè)的金融犯罪也隨之出現(xiàn)。其中,貸款詐騙罪就是這些金融犯罪中比較多發(fā)的一種。信貸業(yè)中的貸款詐騙,使信貸業(yè)出現(xiàn)了一個惡性循環(huán)。不法借貸人,尤其是市場經濟商業(yè)領域的諸多不法商人,企圖千方百計從金融機構中非法獲取貸款,作為其創(chuàng)業(yè)的“第一桶金”或者解決其經營中的資金問題。而金融機構經歷了數(shù)次貸款有去無回,造成諸多死賬壞賬、遭受巨大經濟損失的情況下,也一再嚴格貸款條件。而對于貸款人嚴格的貸款條件無法滿足,他們轉而熱衷于通過非法手段獲取貸款,這便造成了一個借貸行業(yè)的惡性循環(huán)。為了保證金融信貸業(yè)和市場經濟的正常發(fā)展,必須嚴厲打擊貸款詐騙罪。因此我們必須結合國外關于貸款詐騙犯罪的立法,不斷完善我國刑法關于貸款詐騙罪的規(guī)定,認真分析貸款詐騙罪認定中的一些疑難問題,正確認定貸款詐騙罪。本文共分為四個部分,大約3萬字,主要內容為： 第一部分：貸款詐騙罪基本概況。該部分總結了我國刑法設立貸款詐騙罪的經過以及我國刑法中對貸款詐騙罪的規(guī)定。同時分析了國外行為犯立法模式與我國結果犯立法模式的利弊。最后對金融機構貸款的程序規(guī)則進行了介紹和分析。 第二部分：“以非法占有為目的”的認定。該部分從實然和應然的角度對非法占有為目的這一貸款詐騙罪的必要主觀要件的認定進行了分析。認為應當按照主客觀相一致的原則對這一主觀要件進行認定,并提出認定這一要件所要考察的具體方面。最后重點分析事后產生非法占有為目的的行為的認定,認為行為人貸款后才產生非法占有的目的,不應定為貸款詐騙罪,這種情況只能根據(jù)數(shù)額和情節(jié)作為普通的貸款糾紛或者侵占罪論處。 第三部分：貸款詐騙的共同犯罪。該部分對貸款詐騙罪的共同犯罪分為外部人貸款詐騙的共同犯罪和內外勾結的貸款詐騙罪的共同犯罪兩個部分進行分析。外部人貸款詐騙的共同犯罪較容易認定,只要根據(jù)共同犯罪理論基本就可確定。內外勾結的貸款詐騙的共同犯罪的定性要具體分析內部人在貸款中的作用,以及具體分析金融機構是否被騙。據(jù)此確定這種情況下是定性為貸款詐騙罪的共同犯罪還是貪污罪或職務侵占罪的共同犯罪。 第四部分：貸款詐騙罪認定中的界限。該部分從貸款詐騙罪與非罪的界限、此罪與彼罪的界限兩個部分進行分析。在罪與非罪中具體解決了貸款詐騙罪與貸款糾紛的界限、有擔保的貸款詐騙的行為的認定、貸款詐騙罪中數(shù)額的認定三個方面進行闡述。在此罪與彼罪的界限中解決了貸款詐騙罪與詐騙罪和合同詐騙罪的界限、貸款詐騙罪與冒名貸款行為的界限、貸款詐騙罪與貪污罪或職務侵占罪的界限等等。
[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.
【學位授予單位】：西南政法大學
【學位級別】：碩士
【學位授予年份】：2011
【分類號】：D924.3

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本文編號：2026721