摘要
“担保贷款两头骗”是指行为人骗取担保以骗取贷款的行为。通过对2014-2018年裁判的该类案件进行统计分析,存在“同案不同判”的现象,同时,理论界对于该类案件的性质认定也存在争议。笔者认为在借款人具有非法占有贷款之目的时,无论最终受损失的是银行还是担保人,“担保贷款两头骗”的行为都应构成贷款诈骗罪,而不是合同诈骗罪。当借款人不具有非法占有贷款之目的时,在担保人已经偿还了银行的借款的情况下,人民法院应慎重适用骗取贷款罪。
“Double Fraud of Guaranteed Loan”refers to the behavior that the borrower swindles the guarantee to swindle the loan.Through the statistical analysis of such cases judged in 2014-2018,there are different judgments for the same cases.At the same time,there are also disputes in theoretical circles.I think that when the borrower has the purpose of illegal possession of the loan,whether the ultimate loss is the bank or the guarantor,the act of“double fraud of guaranteed loan”shall be the crime of loan fraud,not the crime of contract fraud.If the borrower does not have the purpose of illegally possessing the loan and the guarantor has repaid the loan of the bank,the people's court shall carefully apply the crime of loan fraud.
作者
朱纪玲
Zhu Jiling(East China University of Political Science and Law,Shanghai 200042)
出处
《安徽警官职业学院学报》
2020年第1期9-13,41,共6页
Journal of Anhui Vocational College of Police Officers
关键词
非法占有的目的
骗取担保
骗取贷款
性质认定
purpose of illegal possession
guarantee fraud
loan fraud
nature identification
