金融诈骗罪与诈骗罪竞合关系之反思

Reflections on the Coopetition Relationship Between the Crime of Financial Fraud and the Crime of Fraud

通说将金融诈骗罪与普通诈骗罪之间的关系界定为法条竞合。法条竞合论以金融诈骗罪将财产权作为保护法益为前提,但财产权在金融诈骗罪中的理想定位应为附随法益,法条竞合论不应被坚持。两罪想象竞合论以普通诈骗罪来评价金融诈骗行为导致的财产损失,实际上是将本该予以降格保护的财产权进行了强化保护,导致其在两罪关系的判断上也存有疑问。互斥论是两罪关系的应然逻辑。互斥论相比于法条竞合论具有更强的理论优势,也不存在想象竞合论认为的处罚漏洞问题。

The general statement defines the relationship between the crime of financial fraud and the crime of ordinary fraud as a legally coopetition relationship.The theory of legal coopetition is based on the premise that the crime of financial fraud uses property rights as legal interest.However,the ideal position of property rights in the crime of financial fraud should be the accompanying legal interest.The theory of legal coopetition should not be insisted.The theory of imagined coopetition uses the crime of ordinary fraud to evaluate property losses caused by financial fraud.In fact,it strengthens the protection of property rights that should have been degraded,which leads to doubts about the judgment of the relationship between the two crimes.The theory of mutual exclusion is the proper choice of the relationship between the two crimes.Mutual exclusion theory has a stronger theoretical advantage compared with the theory of coopetition,and there is no problem of punishment loopholes in the theory of imagined coopetition.