保险诈骗罪的立法缺陷及完善建议

The Flaws in the Legislature and Some Suggestions about the Crime of Insurance Fraud

保险诈骗罪完全有可能由一般人实施 ,由一般人实施与法定的三种人实施 ,在主观方面、客观方面和客体上并没有任何实质的差别。因此 ,对本罪主体作特殊限制完全没有必要。鉴于保险诈骗罪的情况十分复杂 ,法定的犯罪情形不能包容许多常见的、严重的保险犯罪行为 ,笔者建议在保险诈骗罪中增设一项概括性的规定 :“其他利用保险合同关系诈骗保险金的行为。”刑法第 1 98条第 1款第 2项表述上存在立法技术上的欠缺。笔者认为解决保险诈骗罪着手问题的最佳方式 ,就是废除刑法第 1 98条第二款的规定。

The normal person can commit this crime and no matter who commit it, the essential part of the crime can be changed. We need not restrict the scope of the subject of the crime specifically; Regarding to the complexity of the crime, the author suggests to add general regulation at the end of the text:' which says other conduct uses insurance contract to fraud coverage'.The flaws lies in the legislative technique in the item 2, clause 1, article 198 of the criminal law. The key question is how we find the period of putting one's hand to this kind of crime. The best way to solve the problem is to cut the second section of article 198.