骗用贷款罪的解构性思考

Deconstructive Thought on the Crime of Fraudulent Use of Loans

《刑法修正案(六)》生效后,我国在贷款类犯罪中增设了骗用贷款罪。该罪弥补了贷款类犯罪的漏洞,也显现出高利转贷罪的多余。骗用贷款罪和贷款诈骗罪可以很好地规范贷款行为。高利转贷罪、骗用贷款罪、贷款诈骗罪在获取银行或者其他金融机构贷款时都是使用的非法手段,那么合法取得贷款后,非法使用的,也应该根据行为人的客观行为进行定罪。

＂Amendments （6） to the Criminal Law of the People＇s Republic of China＂ has set up the crime of fraudulent use of loan, which fills in a gap. The provisions on the new crime and the crime of swindling loan can regulate the act of granting a loan. When the criminals get loans from the bank or other financial institutions by illegal means, they commit crimes. But the law should also criminalize the act of using the loan in illegal way after getting it by lawful means.