金融诈骗罪中非法占有目的之刍议

Research on the Purpose of Illegal Possession for Financial Fraud Crimes

摘要: 我国金融诈骗犯罪共八个罪名，仅有集资诈骗罪、贷款诈骗罪以及信用卡诈骗罪第四款明文规定“以非法占有为目的”这一主观构成要件，但其他罪名也应当肯定“以非法占有为目的”的存在。同时，以非法占有为目的的含义应当是不法所有，进而否认占有型欺诈行为在金融诈骗罪中的存在。最后，对于金融诈骗罪的主观目的要件的认定标准均应当首要采用主客观相一致的原则来确保认定结果的唯一性，避免用事后结果推定非法占有目的之存在。

Abstract: There are eight crimes of financial fraud in Chinese criminal law. Only crime of fundraising fraud, loan fraud and the paragraph of credit card fraud clearly stipulates the subjective component of “for the purpose of illegal possession”. However, other financial fraud crimes should also affirm the existence of the constitutive requirement of “the purpose of illegal possession”. At the same time, the meaning of the purpose of illegal possession should be illegal ownership, and then deny the existence of possession fraud in the crime of financial fraud. Finally, the identification standards for the subjective-objective elements of financial fraud should adopt the principle of consistency between subjective and objective to ensure the uniqueness of the identification results and avoid the presumption of the existence of the purpose of illegal possession with the result after the event.