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浅析骗取贷款罪的犯罪构成

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2020年末,我国对《刑法修正案(十一)》中关于骗取贷款罪的法条进行了修改,对骗取贷款罪的入罪范围进行了缩小,删除了以情节入罪,仅保留了损失入罪模式。修正案说明中指出,这一修改的目的是为满足民营企业对资金的需求,激发民营企业的发展活力。在实际生活中,个人或组织通过给金融机构提供虚假贷款材料以获取大量资金的现象屡见不鲜。因此,在提高骗取贷款罪入罪标准的背景下,对于罪名认定来说,明确骗取贷款罪的犯罪构成具有十分重要的意义。
Analysis of the Criminal Constituents of the Crime of Cheating Loans
At the end of 2020,China made amendments to the provisions of"the Amendment to the Criminal Law(XI)"regarding the crime of fraudulently obtaining loans,narrowing the scope of inclusion in the crime of fraudulently obtaining loans,deleting the criminalization based on circumstances,and only retaining the mode of loss criminalization.The amendment states that the purpose of this modification is to meet the funding needs of private enterprises and stimulate their development vitality.In practical life,it is not uncommon for individuals or organizations to obtain large amounts of funds by providing false loan materials to financial institutions.Therefore,in the context of improving the criminalization criteria for the crime of defrauding loans,it is of great significance to clarify the criminal composition of the crime of defrauding loans for the determination of charges.

the crime of fraudulently obtaining loanscriminal compositionprotection of legal interests

王宇峰

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黑龙江大学,哈尔滨 150000

骗取贷款罪 犯罪构成 法益保护

2024

经济研究导刊
黑龙江省报刊出版中心

经济研究导刊

CHSSCD
影响因子:0.313
ISSN:1673-291X
年,卷(期):2024.(4)
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