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”的认定。
该部分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。
【英文摘要】Today, the market economy is developing rapidly. The financial industry has played an important role in the development of the socialist market economy. In the banking and financial business, the creditbusiness is an effective support to the market economy in the passionate torrent of various types of market players. Through credit business, all types of market players can overe the financial difficulties, and expand business scale. However, at the same time, a number of financial crimes against the credit industry have appeared. In these kinds of financial crime, Loan Fraud is a mon one. Loan Fraud has made the credit industry in a vicious circle. Unscrupulous lenders, especially many unscrupulous business traders in the field of market economy, will do everything possible to get illegal loans as “pot of gold” or to solve the funding problem appeared in their operations. Suffering from many dead debts and huge losses, banks and other financial institutions have repeatedly strict loan conditions. And for the lender, it is not easy to meet the strict loan conditions, so they turned to obtain loans through illegal means. Then credit industry has been brought into a vicious cycle. To ensure development of the financial industry and the market economy, we must try our best to crack down on Loan Frauds. In order to identify Loan Fraud in the right way, we need to incorporate foreign legislation on loan fraud, and constantly improve the provisions of the Criminal Law on Loan Fraud. This article is divided into four parts, about 3 million words, mainly as follows:PartⅠ:Basic overview of Loan Fraud. This section summarizes the establishment of Loan Fraud in Chinese Criminal Law and the provisions of Loan Fraud in Criminal Law. Then analyze advantages and disadvantages ofChinese and Foreign Legislation. Finally, introduce and analyze procedure rules of loans of financial institutions.PartⅡ:Identify the purpose of illegal possession. This part analyzes the purpose of illegal possession from different angles. And we believe that we should identify the purpose of illegal possession follow the principle of Consistent with the subjective and objective. And analyze specific facts. Then focus on analysis of the purpose of illegal possession after access to credit, and consider that this situation can only be identified as ordinary disputes of loans or embezzlement based on the amount and circumstances, but not a Loan Fraud.PartⅢ:mon Crime of loan fraud. This part is divided into two parts. One part is talking about the mon crime of non-bank staff, and the other part is talking about the mon crime of non-bank staff and bank staff bined. The first part is easy to identify, for the basic theory on mon crime. The other part must be based on the specific role of people in the loan. And we should also analyze if the financial institutions is deceived. After that we could identify the mon crime as a mon crime of Loan Fraud or a mon crime of Corruption or related crimes.PartⅣ:Boundaries in identifying the crime of Loan Fraud. The boundaries to identify if the crime is Loan Fraud or not and the boundaries to discriminate Loan Fraud and other related crimes. The first part analyze the boundary of Loan Fraud and loan disputes, the identification of secured lending behavior of fraud, identification of the amount of Loan Fraud. The first part analyze the boundaries of Loan Fraud, Fraud and Contract Fraud,Loan Fraud and lending practices by the name of another person, and Loan Fraud and Corruption or related crimes.【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】Loan Fraud The purpose of illegal possession mon Crime of loan fraud Identification【目录】贷款诈骗罪认定中的疑难问题研究内容摘要4-6Abstract6-7引言10-12一、贷款诈骗罪基本概况12-15(一) 我国贷款诈骗罪立法情况12-13(二) 行为犯与结果犯立法模式比较分析13-15二、”以非法占有为目的”的认定15-21(一) 实践中如何认定”以非法占有为目的”这一主观要件15-18(二) “以非法占有为目的”产生的时间18-21三、贷款诈骗罪的共同犯罪21-25(一) 外部人贷款诈骗的共同犯罪21-22(二) 内外勾结的贷款诈骗的共同犯罪22-251. 贷款诈骗罪共犯说22-232. 贪污罪或职务侵占罪共犯说233. 折衷说23-25四、贷款诈骗罪认定中的界限25-38(一) 罪与非罪的界限26-321. 贷款诈骗罪与贷款纠纷的界线26-292. 有担保的贷款行为的定性29-313. 贷款诈骗罪的数额认定31-32(二) 此罪与彼罪的界限32-381. 贷款诈骗罪与诈骗罪的界限32-332. 贷款诈骗罪与合同诈骗罪的界限33-343. 贷款诈骗罪与高利转贷罪的界限34-354. 贷款诈骗罪与冒名贷款行为的界限35-365. 贷款诈骗罪与贪污罪、职务侵占罪的界限36-38结语38-39致谢39-40参考文献40-41。