航延险骗保行为应以诈骗罪规制——基于南京航延险骗保案展开

The Insurance Fraud Action with Airplane Delay Insurance should be Regulated as the Crime of Fraud——Based on the Insurance Fraud Case with Airplane Delay Insurance in Nanjing City

在我国对金融行业依旧采取强监管态度的情况下,应坚守保险诈骗罪的秩序法益观,从严打击保险诈骗行为。秩序法益概念界定不清,可借助法秩序统一原理将其还原为实体性法益,以合理界定保险诈骗罪的处罚范围。对民刑交叉案件中民事欺诈与刑事诈骗的区分,应采用“多标准说”,从欺骗内容、欺骗程度、非法占有目的等多方面进行考量。在刑法不同罪名的规范指导下归纳航延险骗保行为的案件事实,南京发生的航延险骗保案中李某的行为构成诈骗罪而不构成保险诈骗罪。

In China,as we still adopt a strong supervisory attitude towards the financial industry,we should stick to the legal interest of order with insurance fraud crime,and fight against insurance fraud action strictly.If the concept of the legal interest of order is not clearly defined,it is possible to use the principle of the unification of legal order to restore it as the substantive legal interest so as to reasonably define the penalty scope of insurance fraud crime.When it is needed to judge whether the case belongs to civil fraud or criminal fraud in cases which have both elements,we should adopt the“multi-criteria judgement”and consider the case in aspects such as the content of the fraud,the degree of the fraud,and the purpose of the illegal possession etc.Under the guidance of the different charges of criminal law,this paper summarizes the facts of the case of the insurance fraud action with airplane delay insurance,and believes that Li’s behavior in the insurance fraud case with airplane delay insurance in Nanjing city constitutes the crime of fraud instead of the crime of insurance fraud.