作　　者： ;

机构地区： 北京大学法学院

出　　处： 《山西师大学报（社会科学版）》 2014年第5期65-69,共5页

摘　　要： 当今各国刑法中,对信贷欺诈行为的规制,或采以日本刑法为代表的利用普通诈骗规制贷款诈骗之合并模式;或采以美国刑法为代表的另立信贷诈骗罪予以规制之分立模式。我国刑法中的贷款诈骗罪虽从表面看偏似美国,但实际上采用日本模式。目前看来,该罪难以应对现实中纷繁复杂的信贷欺诈犯罪行为,其主要原因在于传统诈骗罪与信贷欺诈交易及主体假设、法益及风险承担各不相同。因此,我国的贷款诈骗罪需逐渐脱离日本模式而靠近美国,走向以信贷诈骗罪为主体的刑法规制模式。 Presently, bank loan fraud is either regulated by the model adopted by the Japanese Criminal Code - such crimes are directly considered general fraud; or by the model adopted by the United States Code - under which specific provisions are designed. Meanwhile, the Chinese Criminal Code also includes a specific article in dealing with bank loan fraud, known as Article for Fraud in Bank Lending. It seems that such a model is similar to the American one, but actually it is the same as the Japanese model. This Chinese model has difficulties in coping with various issues of bank loan fraud, which have taken an increasingly broadened dimension in recent years. Because bank loan fraud behaviors have principal differences from traditional frauds, the model for dealing with bank frauds in the Chinese Criminal Law is required to avoid the Japanese model, but to adopt the American model that focused on particular distinct acts, usually an affirmative false statement.

关 键 词： 信贷欺诈罪 贷款诈骗罪 比较

领　　域： [政治法律—国际法学] [政治法律—法学]