题　名  金融诈骗犯罪问题研析  
作　者  曹文杰  
作者单位  吉林大学,法学院,长春市 130012  
专　业  刑法学  
指导教师  于治萍  
学位级别  303  
馆藏索取号  3990097  
中文文摘  近年来,金融诈骗犯罪在我国日趋猖獗,给我国社会主义市场经济造成了巨大的冲击,而目前,有关金融诈骗的立法却相对滞后,严重影响司法实践的操作。面对日益复杂多样的金融诈骗犯罪,加强此类犯罪的理论研究势在必行。鉴于此,笔者立足理论研究,在本篇文章中通过对金融诈骗罪的综合性分析,对司法实践中出现的若干问题提出了自己的见解、主张,其目的就在于为解决某些实践问题尽一点微薄之力。
本篇论文共分五个部分
第一部分:首先,通过一系列数据、案例,分析了当前我国金融诈骗犯罪的现状和特点。就目前而言,我国的金融诈骗犯罪案值大,发案率高,涉案面广,社会危害严重,因此,加大对这类犯罪的打击力度和理论研究已是当务之急。同时,对我国有关金融诈骗犯罪的立法作以回顾。由于金融诈骗犯罪属于新旧体制转轨过程中出现的新型犯罪,因此,我国有关此方面的立法起步较晚,从1979年刑法到1995年《决定》再到1997年的新刑法,有关金融诈骗犯罪方面的立法还不完善,尚存一些疏漏,但毕竟在立法上已初步形成体系。
第二部分:主要是对金融诈骗罪的概念及法律特征的分析。笔者就如何界定金融诈骗罪的概念提出自己的见解、主张,并从犯罪构成的角度分析了金融诈骗罪的法律特征。
其一,金融诈骗罪的概念。金融诈骗罪的概念如何界定,学术界历来观点不一,笔者在分析了各种观点之后认为,金融诈骗罪的正确表述应当是:指发生在金融领域以非法占有为目的,采用虚构事实或隐瞒真相的方法,骗取银行信用或公私财物,数额较大,破坏国家金融管理秩序的行为。
其二,从犯罪客体、客观方面、主体、主观方面等犯罪构成理论分析了金融诈骗罪的法律特征。
第三部分:论述了金融诈骗犯罪数额与量刑的关系并对金融诈骗罪的刑罚处罚作以评述。笔者认为数额较大是金融诈骗各罪的主要构成要件之一,犯罪数额的多少与量刑幅度成正比；同时,新刑法中金融诈骗罪的刑罚规定具有如下特点:一是与传统诈骗罪相比如大了处刑幅度；二是强化了财产刑的适应；三是慎用死刑的思想得以体现。
第四部分:主要是对金融诈骗各个具体犯罪的研析,在个罪的概念、法律构成要件进行分析的同时,就个罪的司法适用问题进行研究,提出了自己的粗浅之见。
第五部分:提出完善金融诈骗犯罪的诸多立法建议。根据当前金融诈骗犯罪的新情况、新特点就现行法律的疏漏待完善之处提出自己的看法、主张,并阐明理由:
第一,扩大单位犯罪的适用范围。市场经济体制下,法人、非法人经济实体(单位)层出不穷,为市场经济的日趋活跃提供了条件,单位进行金融诈骗的现象势必增多。因此,应对单位犯罪的适用范围予以扩大,以适应新形势发展的需要,故笔者认为,应将贷款诈骗、信用卡诈骗增加规定单位犯罪之情形。
第二,完善对单位犯罪的刑罚适用。对单位犯罪传统观点是实行“两罚制",即对单位判处罚金的同时,对其直接责任人员和直接主管人员予以刑罚处罚。但事实上,在某些情况下,对单位判处的罚金刑并不足以遏制其重复犯罪,对某些单位而言所判罚金不过是九牛一毛,无关痛痒,而后依然“我行我素”。显然,现行刑法对这类犯罪打击不力,因此建议完善对单位犯罪的开lj罚适用,可以借鉴国外“没收财产”、“停些整顿”等方法,从立法上预防其重复犯罪。
第三.对金融诈骗犯罪增设资格刑。为遏制金融诈骗犯罪对同一主体而言的重复发生,可以对行为人增设资格刑,剥夺其继续从事某种经济活动的资格。如“禁止开办公司"、“禁止使用信用卡”、“禁止再次申请贷款”等等。

英文文摘  Recently, financial deception is more and more rampant our country, which causes the tremendous impact upon the socialist market economy of our country. But now, the legislation about the financial deception is relatively lagged, which seriously affect the administrative operation of Justice, so it''s very urgency and enhance the theoretical research on this kind of crime on the condition that the various financial deception is more complicated, whereby, the author, who rests on the theoretical research, has put forward her own stand and point on the legal problems of this crime the aim of author is to put forth the strength for the resolution of the practical problems.
There are five chapters of this thesis.
In the 1st chapter, author analyses the situation and character of the financial deception in our country after studying a series of data and cases. At present, this kind of crime has concerned the big sum of currency, frequently occurred, and it is also wide related, and damaging our society severely, so it is necessary strengthen the degree of the punishment and theoretical research this crime. At the same time, author introduces the preview of the legislation on financial conception in cur country. Because this kind of crime is the new one occurred during the transition of the old system to the new one, the legislatio1j on it is late, which experienced through none to existence, imperfect to perfect, from the Penal Law of 1979 through the decision of 1995 to the New Penal Law of 1997.
The 2nd chapter is mainly about the analysis of the definition of the financial deception crime and its legal characters. With regard to the definition of the concept of the financial deception crime, there are always different point of it and the author gives her own point after analyzing different opini6ns, that is: the behavior that damages the financial orders, has occurred in the financial field with the aim of illegal occupation and the action of deceiving the credit. of the bank and the public and private property by fabricating and concealing the facts. In addition, author judges the legal character with the standpoint of constitution of the circle in this chapter.
In the 3rd chapter, author discusses the application of the "larger amount" and the character of the punishment of financial deception in the New Penal Law. First, author discusses the "larger amount" with the combination of the principal theory of the Penal Law and author believes that the "larger amount" is the ingredient, of the financial deception crime; second, author discusses the character of the punishment of financial deception in the New Penal Law.
In the 4th chapter, author gives her own standpoint after the study of application of Justice on the individual crime, while author analyses the individual crime cases, as we as the concept and legal constitution of it.
In the 5th chapter, author gives the proposal of perfecting the legislation on the financial deception, and gives the standpoint and reasons according to the flaws of the current law.
First, to expand the application of the unit crime. Under the conditions of the market economy legal person, corporate, are becoming more and more and the tendency of the units committing the crime of financial deception has increased. So we should expand the application of unit crime to follow the development of the new situation. So the author considers that the loan deception and credit card deception should be added to the unit, crime.
Second, to perfect the application of the punishment to the unit crime. The traditional attitude towards the unit crime is to implement two punishments system, that is to fine the unit and the penal punish the direct responsible person and the leaders. But actually, in some cases the fine on the unit can''t prevent from repeating crime and the sum of fine of some units is almost nothing. So the unit can still carry on. Obviously the punishment on this kind of crime is not effective, and the author suggests that we can learn from the abroad, who has the property forfeiting punishment, and stopping to rectify to prevent basically the occurrence of this kind of crime.
Third, to establish the qualification punishment to prevent the same subject from repeating this kind of crime. In another word, we can establish the qualification punishment on the law-breaker to deprive the qualification to continue to engage into some economic action, such as to forbid the establishment of the company, to forbid the usage of the credit card and application for the loan again, and so on.

关键词  金融诈骗罪,立法建议,自由词  
分类标识  D924.33  
论文注解日期  19990315  
总页数  83P