担保欺诈型贷款诈骗罪的认定

Understanding Bonding Loan Fraud

在经济新形势和互联网金融的大背景下,一些传统侵财类犯罪呈现出复杂化的特征。如贷款诈骗罪在刑事理论和司法实践中,就担保型贷款诈骗罪的性质认定和处理上仍存在争议和矛盾。借贷人以担保人提供担保从银行等金融机构获得贷款,其间在存在欺骗诈骗的情况中,理论界对此的定性存在分歧。在厘清财产犯罪中财产性利益的理解、民事欺诈与诈骗的界分,单位涉及贷款诈骗的处理和担保人共同犯罪的认定后,明确借贷人以欺诈手段获得第三人的担保行为只构成民事欺诈,不成立合同诈骗罪,整个骗贷行为构成贷款诈骗罪。

Newly emerging economy and internet-based finance have jointly complicated some traditional crimes like embezzlement. In the case that a borrower secures a guaranteed loan from a financial institution by means of deceit, it is still a controversy how to define and handle such a fraud. This paper clarifies those terms like property interests in property crimes, institutions entitled to handling, and bonding common crimes, and distinguishes civil fraud from fraud. It concludes that bonding loan fraud is a civil fraud instead of contract fraud.