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以刑民交叉思维探析诈骗罪之被害人财产损失的认定

The Identification of the Victim’s Property Loss of the Crime of Swindling Is Analyzed With the Cross Thinking of Criminal and Civilian

法学进展 / 2021,3(4)：260-268 / 2021-10-29 402 409

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• 作者： 郭娜     
• 单位：

  中南财经政法大学，武汉

• 关键词： 双重诈骗；刑民交叉；财产损失
• Double fraud; Cross between criminal and civilian; Property damage
• 摘要： 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。
• 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.
• DOI： https://doi.org/10.35534/al.0304028
• 引用： 郭娜．以刑民交叉思维探析诈骗罪之被害人财产损失的认定［J］．法学进展，2021，3（4）：260-268．