骗取担保向银行贷款的行为定性

The Definition of Cheating the Guarantee and Loading from the Bank

骗取担保向银行贷款的案件在司法实践中往往被认定为合同诈骗罪一罪。但是,这样的解释进路存在问题,它不符合诈骗罪的"直接性"要件,而且在财产流向的结构上与传统诈骗罪不同,同时在既遂与共犯问题上也存在矛盾。实际上,行为人对出贷人成立贷款诈骗罪,因为出贷人虽然取得了等值的担保,但在交易目的上受到了欺骗。同时,行为人对担保人成立针对财产性利益的贷款诈骗,与合同诈骗罪构成想象竞合,从一重罪处罚。

Cheating the guarantee and loading from the bank is always confirmed with crime of contractual Fraud in juridical practice. But the way of explanation has problems, it doesn＇ t accord with condition of ＇ directness＇ in the crime of fraud, and the construction of the flow of property is different from the classical crime of fraud, and has contradiction in the issue of accomplished standard and accomplice. In fact, the act meets crime of load fraud, because the lender gets the considerable value but is cheated in the goal of the trade. The act meets crime of contraetual fraud and crime of load fraud,which should be punished with the felony.