贷款诈骗论文：贷款诈骗罪认定中的疑难问题研究报告

-.z贷款诈骗论文：贷款诈骗罪认定中的疑难问题研究【中文摘要】在市场经济蓬勃开展的今天,金融业在社会主义市场经济的开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,抑制资金困难,扩大经营规模。但是,在银行信贷业开展的同时,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开展,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。本文共分为四个局部,大约3万字,主要内容为：第一局部：贷款诈骗罪根本概况。该局部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展了介绍和分析。第二局部：“以非法占有为〞的认定。该局部从实然和应然的角度对非法占有为这一贷款诈骗罪的必要主观要件的认定进展了分析。认为应当按照主客观相一致的原则对这一主观要件进展认定,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的行为的认定,认为行为人贷款后才产生非法占有的,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。第三局部：贷款诈骗的共同犯罪。该局部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局部进展分析。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根本就可确定。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。第四局部：贷款诈骗罪认定中的界限。该局部从贷款诈骗罪与非罪的界限、此罪与彼罪的界限两个局部进展分析。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展阐述。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。【英文摘要】Today,themarketeconomyisdevelopingrapidly.Thefinancialindustryhasplayedanimportantroleinthedevelopmentofthesocialistmarketeconomy.Inthebankingandfinancialbusiness,thecreditbusinessisaneffectivesupporttothemarketeconomyinthepassionatetorrentofvarioustypesofmarketplayers.Throughcreditbusiness,alltypesofmarketplayerscanoverethefinancialdifficulties,ande*pandbusinessscale.However,atthesametime,anumberoffinancialcrimesagainstthecreditindustryhaveappeared.Inthesekindsoffinancialcrime,LoanFraudisamonone.LoanFraudhasmadethecreditindustryinaviciouscircle.Unscrupulouslenders,especiallymanyunscrupulousbusinesstradersinthefieldofmarketeconomy,willdoeverythingpossibletogetillegalloansas“potofgold〞ortosolvethefundingproblemappearedintheiroperations.Sufferingfrommanydeaddebtsandhugelosses,banksandotherfinancialinstitutionshaverepeatedlystrictloanconditions.Andforthelender,itisnoteasytomeetthestrictloanconditions,sotheyturnedtoobtainloansthroughillegalmeans.Thencreditindustryhasbeenbroughtintoaviciouscycle.Toensuredevelopmentofthefinancialindustryandthemarketeconomy,wemusttryourbesttocrackdownonLoanFrauds.InordertoidentifyLoanFraudintherightway,weneedtoincorporateforeignlegislationonloanfraud,andconstantlyimprovetheprovisionsoftheCriminalLawonLoanFraud.Thisarticleisdividedintofourparts,about3millionwords,mainlyasfollows:PartⅠ:BasicoverviewofLoanFraud.ThissectionsummarizestheestablishmentofLoanFraudinChineseCriminalLawandtheprovisionsofLoanFraudinCriminalLaw.ThenanalyzeadvantagesanddisadvantagesofChineseandForeignLegislation.Finally,introduceandanalyzeprocedurerulesofloansoffinancialinstitutions.PartⅡ:Identifythepurposeofillegalpossession.Thispartanalyzesthepurposeofillegalpossessionfromdifferentangles.AndwebelievethatweshouldidentifythepurposeofillegalpossessionfollowtheprincipleofConsistentwiththesubjectiveandobjective.Andanalyzespecificfacts.Thenfocusonanalysisofthepurposeofillegalpossessionafteraccesstocredit,andconsiderthatthissituationcanonlybeidentifiedasordinarydisputesofloansorembezzlementbasedontheamountandcircumstances,butnotaLoanFraud.PartⅢ:monCrimeofloanfraud.Thispartisdividedintotwoparts.Onepartistalkingaboutthemoncrimeofnon-bankstaff,andtheotherpartistalkingaboutthemoncrimeofnon-bankstaffandbankstaffbined.Thefirstpartiseasytoidentify,forthebasictheoryonmoncrime.Theotherpartmustbebasedonthespecificroleofpeopleintheloan.Andweshouldalsoanalyzeifthefinancialinstitutionsisdeceived.AfterthatwecouldidentifythemoncrimeasamoncrimeofLoanFraudoramoncrimeofCorruptionorrelatedcrimes.PartⅣ:BoundariesinidentifyingthecrimeofLoanFraud.TheboundariestoidentifyifthecrimeisLoanFraudornotandtheboundariestodiscriminateLoanFraudandotherrelatedcrimes.ThefirstpartanalyzetheboundaryofLoanFraudandloandisputes,theidentificationofsecuredlendingbehavioroffraud,identificationoftheamountofLoanFraud.ThefirstpartanalyzetheboundariesofLoanFraud,FraudandContractFraud,LoanFraudandlendingpracticesbythenameofanotherperson,andLoanFraudandCorruptionorrelatedcrimes.【关键词】贷款诈骗非法占有为目的共同犯罪认定【英文关键词】LoanFraudThepurposeofillegalpossessionmonCrimeofloanfraudIdentification【目录】贷款诈骗罪认定中的疑难问题研究

内容摘要

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Abstract

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引言

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一、贷款诈骗罪根本概况

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(一)我国贷款诈骗罪立法情况

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(二)行为犯与结果犯立法模式比较分析

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二、〞以非法占有为目的〞的认定

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(一)实践中如何认定〞以非法占有为目的〞这一主观要件

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(二)“以非法占有为目的〞产生的时间

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三、贷款诈骗罪的共同犯罪

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(一)外部人贷款诈骗的共同犯罪

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(二)内外勾结的贷款诈骗的共同犯罪

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1.贷款诈骗罪共犯说

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2.贪污罪或职务侵占罪共犯说

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3.折衷说

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