骗取贷款罪“重大损失”的司法认定研究  

A Study on Judicial Determination of“Significant Losses”in the Crime of Fraudulent Loans

作　　者：王文娟 

机构地区：[1]华东政法大学,上海200042

出　　处：《上海金融》2023年第11期71-79,共9页Shanghai Finance

基　　金：国家社会科学基金青年项目“数据安全的刑法区分性保护研究”(22CFX015);司法部法治建设与法学理论研究科研项目“数据犯罪治理的‘民行刑’衔接路径研究”(21SFB3009)的阶段性成果。

摘　　要：虽然《刑法修正案(十一)》将“重大损失”作为骗取贷款罪的唯一入罪标准,但在司法实务中“重大损失”的认定仍会面临诸多棘手问题。因此在骗取贷款罪的司法适用中,我们应确立“重大损失”的认定规则:第一,明确提供虚假申请资料获取的贷款金额不属于重大损失。第二,厘定民事诉讼程序操作对“重大损失”的认定具有决定性作用。第三,重大损失的主体对象和涵盖损失要素的选择应遵循有限性原则。第四,我们应构建“贷款到期时+执行程序终止时”重大损失的双重起算节点。如此方能契合贷款资金所有权保护的立法定位,助力社会主义市场经济健康发展。Although the Eleventh Amendment to the Criminal Law regards“significant loss”as the sole criterion for the crime of fraudulently obtaining loans,the determination of“significant loss”in judicial practice still faces many thorny issues.Therefore,in the judicial application of the crime of fraudulently obtaining loans,we should establish the rules for determining“significant losses”.Firstly,it is clear that the loan amount obtained by providing false application materials does not constitute significant losses.Secondly,determining the operation of civil litigation procedures plays a decisive role in determining“significant losses”.Thirdly,the selection of the subject and elements of significant losses should follow the principle of limitation.Fourthly,we should establish a dual starting point for significant losses at the time of loan maturity and program termination.By aligning with the legislative positioning of protecting the ownership of loan funds,we aim to promote the healthy development of the socialist market economy.

关 键 词：骗取贷款罪 “重大损失” 扩张化认定 贷款资金所有权 

分 类 号：D924[政治法律—刑法学] D922.28[政治法律—法学]