摘要
《刑法修正案(十一)》限制了骗取贷款罪的打击范围,要求对骗取贷款罪进行合目的性的解释。法益保护理论作为关于刑法目的的重要理论,对骗取贷款罪的解释具有重要意义。因此,应从法益入手,对骗取贷款罪进行合理解释。更应看到,骗取贷款罪作为行政犯,其本身具有行政违法和刑事不法的双重属性。从行政违法性上,骗取贷款罪侵犯的是贷款管理秩序;从刑事不法性看,骗取贷款罪侵犯的是特定金融机构资金的所有权。故而,骗取贷款罪侵犯的当属双重法益。基于双重法益,不构成民事欺诈的行为不能构成本罪的欺骗行为,“银行或其他金融机构”应采实质解释立场,“重大损失”的认定应为侦查机关立案之时。
Amendment XI of the Criminal Code of the People’s Republic of China limits the scope of the offence on the crime of cheating on loans which requires an interpretation on the propose and purposiveness of the crime.Protection of legal interests,as an important theory on the purpose of criminal law,is of great significance to the interpretation of the crime of cheating on loans.Thus,the crime of cheating on loans should be reasonably interpreted from the perspective of legal interests.It should be noted that the crime of cheating on loans,as an administrative crime,has the dual attributes of administrative violation and criminal wrongdoing.In terms of administrative illegality,the crime of cheating on loans infringes on the order of loan management;from the perspective of criminal wrongfulness,the crime of cheating on loans infringes on the ownership of funds of specific financial institutions.Therefore,the crime of cheating on loans violates a dual legal interests.Based on the dual legal interests,acts that do not constitute civil fraud cannot constitute deception in this crime,"banks or other financial institutions"should adopt a substantive interpretation position,and the determination of"major losses"should be conducted at the filing stage by investigation organ.
作者
牛梦倩
Niu Mengqian(Southeast University,Nanjing 211189,China)
出处
《贵州警察学院学报》
2022年第4期47-54,82,共9页
Journal of Guizhou Police College
基金
2021年中央基本业务经费项目(2242021S30011)
国家重点研发计划(2018YFC0830200)。
关键词
骗取贷款罪
双重法益
欺骗行为
金融机构
重大损失
cheating on loans
dual legal interest
deceptive conduct
financial institutions
substantial loss
