担保贷款双重诈骗案的刑法教义学分析  

A Doctrinal Analysis of Criminal Law in Cases of Double Fraud on Guarantee and Loan

作　　者：王炜昭 WANG Weizhao(School of Law,Tianjin University of Commerce,300134,Tianjin,China)

机构地区：[1]天津商业大学法学院,天津300134

出　　处：《特区经济》2024年第7期128-132,共5页Special Zone Economy

摘　　要：担保贷款双重诈骗,是指行为人以非法占有为目的,先采用欺骗手段骗取他人的担保,再以虚假事实和骗取的担保骗取银行等金融机构的贷款。在担保贷款双重诈骗案中,主要存在着三组民事法律关系,即行为人与担保人之间的委托合同关系、担保人与贷款人之间的担保合同关系以及行为人与贷款人之间的贷款合同关系。行为人在与担保人订立委托合同过程中实施的前骗行为完全符合合同诈骗罪的构成要件,构成合同诈骗罪;担保人事先虽向贷款人设立了担保,但无论基于个别财产损失说还是整体财产损失说,均应肯定行为人的后骗行为造成了贷款人的财产损失,构成贷款诈骗罪。Double fraud on guarantee and loan means that the perpetrator,with the purpose of illegal possession,first adopts deceptive means to cheat others of their guarantees,and then cheats banks and other financial institutions of loans with false facts and fraudulent guarantees.In the case of double fraud on guaranteed and loan,there are three main groups of civil legal relationships,namely,the contractual relationship of entrustment between the perpetrator and the guarantor,the contractual relationship of guarantee between the guarantor and the lender,and the contractual relationship of loan between the perpetrator and the lender.The perpetrator in the process of entering into a contract of entrustment with the guarantor of the former fraud committed in full compliance with the constitutive elements of the crime of contract fraud,constituting the crime of contract fraud;Although the guarantor has established a guarantee to the lender in advance,whether based on the individual property loss theory or the overall property loss theory,it should be affirmed that the perpetrator’s latter fraud has caused the lender’s property loss and constitutes the crime of loan fraud.

关 键 词：担保贷款双重诈骗 民事法律关系 合同诈骗罪 贷款诈骗罪 

分 类 号：D924.33[政治法律—刑法学]