信贷人员冒名贷款自用行为的罪名适用  

Application of the Charges for Credit Officers’Using Others’Identities to Get Loans for Self-use

作　　者：任彦君 Ren Yanjun(Henan University of Economics and Law,Zhengzhou 450000,China)

机构地区：[1]河南财经政法大学刑事司法学院,河南郑州450000

出　　处：《贵州警察学院学报》2021年第5期44-48,共5页Journal of Guizhou Police College

基　　金：河南省哲学社会科学规划项目(2021BFX008)。

摘　　要：对金融机构信贷人员冒用他人身份贷款自用行为的定性,司法实践中适用的罪名颇不一致,判决结果出现贪污罪、职务侵占罪、挪用资金罪或挪用公款罪、骗取贷款罪、贷款诈骗罪、违法发放贷款罪等数个罪名。对于冒名贷款自用并具有"非法占有目的"的行为,根据主体的身份应以贪污罪或职务侵占罪认定。对于冒名贷款自用但不具有"非法占有目的"的行为,认定为违法发放贷款罪更为合适。这种行为的罪数形态是单纯一罪。In the judicial practice,there are several charges for credit officers in financial institutions who use others’identities to get loans for self-use.The judgments involve corruption,duty corruption,misappropriation of funds or public funds,fraud of loans,loan fraud,illegally granting loans,and other charges.Owing to the offender’status as a credit officer,where the act of using others’identities to get loans for self-use has the"purpose of illegal possession",it shall be determined as the crime of corruption or duty encroachment.It is more appropriate to decide the act of using others’identities to get loans for self-use but having no"purpose of illegal possession"as the crime of illegally granting loans.The number of crimes of this kind of act is pure one crime.

关 键 词：信贷人员 冒名贷款 贪污罪 违法发放贷款罪 

分 类 号：D924[政治法律—刑法学]