宽严相济刑事政策下骗取贷款罪的限缩适用

The Limited Applicationof Loan Fraudsby the Principleof Tempering Justice with Mercy

近年来,骗取贷款罪在司法适用过程中呈现出刑事处罚边界过度扩张的趋势,体现在欺骗对象、欺骗手段和重大损失认定扩大化,保护法益未明确以及刑罚适用任意性等方面。基于宽严相济刑事政策的立场,应从严格和宽松两个路径出发,完善相关法律解释严控入罪门槛、新增出罪事由扩大出罪比例,限缩骗取贷款罪的刑事处罚边界。

In recent years,the criminal punishment for loan frauds has shown a trend of improper uses in judicial application,such as the expanding detection of fraud victims,deceptions and heavy losses,the confusion of protected legal interests,the arbitrariness of penalty,etc.According to the criminal principle of tempering justice with mercy,the relevant legal interpretations should be complete to strictly stipulate the incrimination,newly-added causes of crime and the increased crime rates in both strict and loose ways,so as to limit the application of punishment for loan frauds.