关于骗取贷款、票据承兑、金融票证罪若干问题的思考

On the Crime of Obtaining Loans,Acceptance of Instruments and Financial Bills by Fraudulent Means

"骗用金融机构贷款、信用罪"罪名能充分体现罪状所确定的内容,既揭示了犯罪的手段,又明确了犯罪对象。在整个行为过程中,行为人对资金的态度是占用而不是占有,取"用"更能体现立法的本意;本罪侵犯的是多重法益,侵犯的抽象法益是诚实信用原则、同类法益是金融信用制度、直接法益为金融机构的资金使用权和信贷资金的安全性;应从明确罚金数额和适用资格刑方面完善刑罚的配置。

The name of ＂crimes of acquiring loan, reputation from financial institution by fraud＂ actually clesvly reflects the facts almut the crime and fully embodies them. It not only reveals the means of a crime, but also defines the target of a crime. Throughout the course of conduct, the actor takes the attitude of using funds rather than possessing them. Thereby, the word ＂use＂ better reflects the intent of legislation. Such crime infringes various law profits. It violates the abstract law profit - the principle of honesty and trustworthiness. It violates the similar law profit - the regulation of financial reputation. It also violates the direct law profit - the right of financial institution to use funds and the security of credit funds. The amount of fines should be clear and perfect for areas eligible for criminM penalties configuration.