银行举报储户金融诈骗的相关法律问题探讨——以公安机关查处非法集资案件为视角  

A Discussion on Legal Issues Related to Depositors of Financial Fraud Reported by Banks——With the Perspective of the Public Security Authorities' Investigating Illegal Fund-Raising Cases

作　　者：何小勇[1] 邢鸿翔 

机构地区：[1]江苏警官学院,江苏南京210012 [2]南京市公安局,江苏南京210000

出　　处：《行政与法》2015年第3期74-83,共10页Administration and Law

基　　金：江苏高校优势学科建设工程资助项目;江苏省法学会法学课题"民间借贷;非法集资的衍变与规制探讨"的阶段性成果;项目编号:SFH2014D17;江苏省社会科学基金项目"我国金融市场发展与民间金融的法律规制研究"的阶段性成果;项目编号:14FXD002

摘　　要：储户隐瞒民间借贷事实,以存款账户资金丢失为由向银行诉讼索赔牟取不法利益,是现阶段出现的一种新类型案件,其与非法集资活动密切相关,并涉及其他类型犯罪。根据现行法律规定,公安机关在银行报案时对存款人的行为性质难以定性并查处,亦无法以虚假诉讼罪或者金融诈骗罪作为立案的案由。本文分析了此类案件的特征及发案规律,认为公检法机关、银行等相关部门应紧密协作,防止非法集资活动向银行领域蔓延,建议完善相关司法解释,在刑法条文中增加相应的罪名,以打击利用银行账户进行违法犯罪活动的行为,维护金融秩序有序发展。Depositors＇ concealing the facts of private loans and seeking illegal interests by claiming for compensation from the bank on the grounds of the lost deposit account funds,is a new kind of case appearing at this stage.It is closely related with the illegal fund-raising activities, and relating to other types of crime.Under the current law,it is quite difficult for the public security organs to characterize and investigate the nature of the depositors＇ behavior when the bank reports a case, and it is also impossible for them to register it as case under the crime of false litigation or the crime of financial fraud. This paper analyzes the characteristics and the incidence of this kind of case,holds that the public security organs,banks and other relevant departments should cooperate closely,prevent illegal fund-raising activities from spreading to the bank field and suggest improving the related judicial interpretation.They may increase the corresponding charges in the criminal law to combat the illegal criminal activities by using bank accounts and maintain the orderly development of the financial order.

关 键 词：银行账户 非法集资 虚假诉讼 民间借贷 存款纠纷 

分 类 号：D924.35[政治法律—刑法学]