Keywords:
Double fraud; Cross between criminal and civilian; Property damage
双重诈骗;刑民交叉;财产损失
Abstract:
The crime of double fraud mainly involves two problems: the
effectiveness of guarantee contract and the identification of bank property
loss. In terms of the validity of security contract, we should adopt the thought
of “criminal separation of the people”, and identify the cheating behavior
of the actor as the crime of contract fraud in criminal law, and identify the
security contract as the revocable contract in civil law. When it comes to the
problem of whether the bank suffers actual losses, we should avoid measuring
its pure economic value separately from the Angle of hindsight, but should
comprehensively determine the realization of the bank’s loan purpose, rights
and obligations, and risk expectation.
双重诈骗犯罪主要涉及到担保合同的效力以及对银行财产损失认定两个问题。在担保合同效力问题上,应采取“刑民分立”的思维,在刑事上将行为人的欺骗行为认定为合同诈骗罪,在民事上将担保合同认定为可撤销合同。在银行是否遭受实际损失的问题上,应避免以事后的角度单独对其进行纯粹经济价值衡量,而应从银行贷款目的实现、权利义务、危险预期等方面综合确定。