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有足额担保的骗贷行为,不应构成骗取贷款罪

办案律师/作者: 倪菁华 来源:正规的快三平台 日期 : 2017-12-14

倪菁华: 广强正规的快三平台金融犯罪案件辩护律师暨经济犯罪辩护与研究中心核心律师

JINRI,HUAXIAYINXINGZAIDINGZENGGUOCHENGZHONGBEIZHENGJIANHUI“SHILIANWEN”,QIZHONG,6XIANGZHONGDIANWENTIYUBULIANGDAIKUANXIANGGUAN。DUIYUBUFENYUQI90TIANYISHANGWEIHUARUBULIANGDAIKUAN,HUAXIAYINXINGHUIFUCHENG,“261.57YIKUANXIANGZHONG,DIYALEIHEZHIYALEIDAIKUANGONGJI104.11YIYUAN,DIZHIYAWUGONGYUNJIAZHI252.84YIYUAN,NENGGOUFUGAIDIZHIYADAIKUANYUE,YISHANGDAIKUANDIZHIYAWUCHONGZU,YUJIBUHUICHANSHENGSUNSHI;BAOZHENGLEIDAIKUANGONGJI156.60YIYUAN,CILEIDAIKUANZHENGZAITUIJINFENGXIANHUAJIE,YINCIZANWEIJIRUBULIANGDAIKUAN;XINYONGDAIKUANGONGJI0.86YIYUAN,SUIQIYEZHAIWUFASHENGYUQI,DANYIYAOQIUCILEIDAIKUANDEJIEKUANRENZHUIJIAKEYONGYUDIZHIYADEZICHANLAIZENGQIANGDANBAO”。JIANDANDEYISIJIUSHI,HUAXIAYINXINGRENWEI,DIZHIYAWUDEJIAZHINENGGOUFUGAIDIZHIYADAIKUANYUEDEQINGKUANGXIA,YUJIBUHUICHANSHENGSUNSHI;QIYEZHAIWUYUQIKEYITONGGUOZHUIJIADIZHIYADEZICHANZENGQIANGDANBAO。

CONGPIANQUDAIKUANZUIDEKEGUANFANGMIANLAIJIANG,XINGWEIRENSHITONGGUOSHIYONGXUGOUSHISHI、YINMANZHENXIANGDENGQIPIANSHOUDUAN,PIANQUDAIKUAN,JIYINXINGZAOCHENGZHONGDASUNSHIHUOQITAYANZHONGQINGJIEDEXINGWEI。QIZHONG,ZHONGDASUNSHISHIJIEGUOYAOJIAN,ERQITAYANZHONGQINGJIESHIQINGJIEYAOJIAN,XINGWEIRENDEPIANDAIXINGWEIBIXUYAOJIYINXINGHUOZHEQITAJINRONGJIGOUZAOCHENGZHONGDASUNSHIHUOYOUQITAYANZHONGQINGJIE,CAINENGRENDINGXINGWEIRENGOUCHENGBENZUI。CONGSHANGSHUXINWENKEYIKANCHU,ZAIZUEDANBAODEQINGKUANGXIA,YINXINGYOULIYOUXIANGXINBUHUICHUXIANDAIKUANFENGXIAN。ERZAISIFASHIWUZHONG,SIFAJIGUANDUIZUEDANBAODANSHIYONGQIPIANSHOUDUANPIANDAIHOUYUQIQINGKUANGXIA,ZHONGDASUNSHIHUOYOUQITAYANZHONGQINGJIEDERENDINGBIJIAOHUNLUAN。BIRU,ZHEJIANGYIWUSHIDELOUMOUMOUPIANQUDAIKUAN、PIAOJUCHENGDUI、JINRONGPIAOZHENGZUIYIAN、YANANSHIDEJIANGMOUMOUDENGRENPIANQUDAIKUANYIAN,JUNCUNZAIZUEDANBAODANBEIPANCHUXINGFADEQINGKUANG。

BENWEN,BIZHEGENJUXUMOUMOUPIANQUDAIKUANAN,CONGJIANCHAYUANBUQISUJUEDINGSHU,KANZAIXINGWEIRENTIGONGZUEDANBAODEQINGKUANGXIA,PIANDAIXINGWEISHIRUHERENDINGDE。

案号: 江苏省苏州市虎丘区人民检察院虎检诉刑不诉[2017]74号不起诉决定书

基本案情:

XINGMOUJIA(YILINGANCHULI)WEIJIANGSU**JIANSHEYOUXIANGONGSIHESUZHOUGONGYEYUANQUJIAYUTUFANGGONGCHENGYOUXIANGONGSIDESHIJIKONGZHIREN。

1.2012年至2014年间,江苏**建设有限公司决定以向苏州工业园区圣瑞吉贸易有限公司采购原材料为由,分别向苏州银行虎丘支行申请2000万元、3000万元、3000万元授信额度期间,该公司实际控制人邢某甲、被不起诉人许某某向苏州银行虎丘支行提供虚假的建筑施工合同、财务报表、原材料采购合同正规的快三平台,骗取贷款,2014年8月在骗得1500万元流动资金贷款供邢某甲使用,后发生逾期。截止2016年8月5日立案,江苏**建设有限公司共骗取虎丘支行流动资金贷款4000万元,已归还3564.95964万元,造成实际损失435.04036万元。

2.2013年10月至2014年10月,苏州工业园区嘉宇土方工程有限公司决定以向苏州工业园区圣瑞吉贸易有限公司采购原材料为由,向苏州银行虎丘支行申请2000万元授信额度。期间,该公司实际控制人邢某甲、被不起诉人许某某向苏州银行虎丘支行提供虚假的建筑工程施工合同、财务报表、原材料采购合同正规的快三平台,骗取贷款,归还后再次以前述方式,骗得1200万元流动资金贷款供邢某甲使用,后发生逾期。截止2016年8月5日立案,苏州工业园区嘉宇土方工程有限公司共骗取贷款2400万元,造成实际损失1200万元。

正规的快三平台3.2014NIAN10YUE,SUZHOUGONGYEYUANQUJIAYUTUFANGGONGCHENGYOUXIANGONGSIZAI1NIANSHOUXINQIXIANJIJIANGDAOQIZHIQIAN,SHIYONG2013NIAN10YUEXIANGSUZHOUYINXINGHUQIUZHIXINGSHENQINGHUODEDE2000WANYUANSHOUXINEDU。GAIGONGSISHIJIKONGZHIRENXINGMOUJIA、BEIBUQISURENXUMOUMOUYIQIANSHUFANGSHIPIANDEYOUSUZHOUYINXINGHUQIUZHIXINGKAIJUDE1600WANYUANYINXINGCHENGDUIHUIPIAO3ZHANG(BAOZHENGJIN50%,MIANEFENBIEWEI800WANYUAN、520WANYUAN、280WANYUAN)。HOUYOUXUMOUMOUDENGRENJIANGGAI3ZHANGYINXINGCHENGDUIHUIPIAOTIEXIAN,HUODEZIJINGONGXINGMOUJIASHIYONG。JIEZHI2015NIAN8YUE14RILIAN,SUZHOUGONGYEYUANQUJIAYUTUFANGGONGCHENGYOUXIANGONGSIPIANQUPIAOJUCHENGDUI800WANYUAN,LIANHOUGUIHAI531.684WANYUAN,ZAOCHENGSHIJISUNSHI247.68WANYUAN。

入罪逻辑:

BEIBUQISURENXUMOUMOUYUJIANGSU**JIANSHEYOUXIANGONGSI、SUZHOUGONGYEYUANQUJIAYUTUFANGGONGCHENGYOUXIANGONGSIDESHIJIKONGZHIRENXINGMOUJIAYIGOUMAIYUANCAILIAOWEIYOU,XIANGSUZHOUYINXINGHUQIUZHIXINGSHENQINGSHOUXINEDU,QIJIAN,SHIYONGXUJIADEJIANZHUGONGCHENGSHIGONGHETONG、CAIWUBAOBIAO、YUANCAILIAOCAIGOUHETONGDENGCAILIAO,PIANQUDAIKUAN,ZUIZHONGXINGWEIRENBINGWEIWANQUANGUIHAIDAIKUAN,JIYINXINGZAOCHENGLEZHONGDASUNSHI,QIXINGWEIGOUCHENGPIANQUDAIKUANZUI。

不起诉理由:

正规的快三平台JIANCHAYUANRENWEISUZHOUSHIGONGANJUZHISHUFENJURENDINGDEBEIBUQISURENXUMOUMOUSHEXIANPIANQUDAIKUAN、PIAOJUCHENGDUIZUIDEFANZUISHISHIBUQING、ZHENGJUBUZU。DIYI,SHEANDAIKUANZAILIANQIANYIJINGZUOWEIMINSHIJIUFENBEISUZHOUSHIGUSUQURENMINFAYUANSHENLIBINGPANJUE。DIER,XINGMOUJIA(LINGANCHULI)、BEIBUQISURENXUMOUMOUZAIXIANGSUZHOUYINXINGSHENQINGDAIKUANGUOCHENGZHONG,BUPAICHUYINGDAIKUANFANGYAOQIUERTIGONGXUJIADECAILIAO,DAIKUANFANGSHOUPIANDEZHENGJUBUZU。DISAN,JIEKUANHETONGZHONGJUNZHUIJIALEXINGMOUJIAGERENDANBAO,ERXINGMOUJIADEFANGCHANDENGCAICHANJIAZHIBUPAICHUFUGAISHANGSHUERGONGSIZAISUZHOUYINXINGDEDAIKUANJINEJINERTIGONGLEZUEDANBAO。ZONGSHANG,BEIBUQISURENXUMOUMOUSHEXIANPIANQUDAIKUAN、PIAOJUCHENGDUIZUIDESHISHIBUQING、ZHENGJUBUZU,BUFUHEQISUTIAOJIAN。

不起诉要旨:

MEIYOUJIYINXINGZAOCHENGSHIJISUNSHIHUOXINGCHENGDAIKUANFENGXIAN,BUNENGRENDINGGOUCHENGLEPIANQUDAIKUANZUIDEJIEGUOYAOJIANHUOQINGJIEYAOJIAN,BUGOUCHENGPIANQUDAIKUANZUI。

无罪辩护思路:

有足额担保的骗贷行为,不应构成骗取贷款罪。

正规的快三平台BENANDEGUANJIANZAIYUPIANQUDAIKUANZUIZHONGDEZHONGDASUNSHIHUOYOUQITAYANZHONGQINGJIEDERENDINGWENTI。

ZUIGAORENMINJIANCHAYUAN、GONGANBUGUANYUYINFA《ZUIGAORENMINJIANCHAYUAN、GONGANBUGUANYUGONGANJIGUANGUANXIADEXINGSHIANJIANLIANZHUISUBIAOZHUNDEGUIDING(ER)》DETONGZHI,GUIDINGYIQIPIANSHOUDUANQUDEDAIKUAN、PIAOJUCHENGDUI、XINYONGZHENG、BAOHANDENG,SHUEZAIYIBAIWANYUANYISHANGDEZUOWEILIANZHUISUDEBIAOZHUN,ZHEIHENMINGXIANJIANGQINGJIEJINXINGLIANGHUA,YISHUEZUOWEIRUZUIDEDETIAOJIAN,ZHEIYUBENZUIDESUOTIXIANDEWEIHAIXINGBINGBUXIANGSHIYING,RONGYIDAOZHIPIANQUDAIKUANZUIBEIRENYIKUOZHANG。DUICI,YIXIEDIFANGDESIFAJIGUANYEYISHIDAOZHEIYIDIAN,BINGTONGGUOZHIDINGGUIFANXINGWENJIANZHENDUIZHEIGELIANBIAOZHUNJINXINGXIANZHIXINGDEJIUZHENG。

例如,重庆市高级人民法院、重庆市人民检查院、重庆市公安局在2013年联合印发的《关于如何处理当前刑事诉讼案件中亟待解决法律问题的会议纪要》中,针对前述立案标准称,实践中,在手续上存在一定虚假的贷款行为较普遍,如果不区分具体情形,对符合贷款数额、次数标准的行为一律认定为犯罪,将使相当数量并没有给金融机构造成任何损失,没有社会危害性或都社会危害性明显轻微的企业融资行为受到刑事追究,这有违刑法的基本理念,也不得于维护经济秩序的稳定,不利于促进经济发展。对为了生产经营、生活需要,向金融机构贷款,手续有一定虚假,但没有给金融机构造成损失的,可以不作为犯罪处理。

GENJUSHANGSHUHUIYIJIYAODENEIRONG,TONGSUDELIJIEJIUSHIZHONGXIAOQIYEWEILESHENGCUNFAZHAN,JINGYINGXUYAO,KEYISHIDANGDETONGGUOZILIAOXUGOUBUFENSHISHI,TISHENGXINYONGDU,QIMUDEZAIYUHUOQUDAIKUAN,TOURUSHENGCHANJINGYING,WANJIUQIYE,RUGUOZAISHENQINGDAIKUANDETONGSHI,JINXINGDIYAWUDANBAOHUOGERENDANBAO,SHENZHIDADAOLEZUEDANBAO,NEIMEGAIZHONGXIAOQIYEJIQIFUZERENJISHICUNZAIXUGOUSHISHI、PIANQUDAIKUANDEXINGWEI,DANBINGMEIYOUXIANGYAOZAOCHENGYINXINGHUOQITAJINRONGJIGOUZHONGDASUNSHIHUOYOUQITAYANZHONGQINGJIEDEZHUGUANGUYI。ERZAIPIANQUDAIKUANZUIZHONG,XINGWEIRENDUIZHONGDASUNSHIHUOYOUQITAYANZHONGQINGJIEZHISHAOYAOCHIJIANJIEGUYIDEZHUGUANXINTAI,ZAICIQINGKUANGXIA,XINGWEIRENDEXINTAIBINGFEIJIANJIEGUYI。YINCI,SHIDANGDEXUGOUBUFENSHISHI,TIGONGZUEDANBAO,HUOQUDAIKUAN,BUYINGGOUCHENGPIANQUDAIKUANZUI。

正规的快三平台BENANZHONG,JIANGSU**JIANSHEYOUXIANGONGSIHESUZHOUGONGYEYUANQUJIAYUTUFANGGONGCHENGYOUXIANGONGSIFENBIEYIXIANGQITAGONGSICAIGOUYUANCAILIAOWEIYOU,XIANGSUZHOUYINXINGHUQIUZHIXINGSHENQINGDAIKUANQIJIAN,ZUOWEISHANGSHULIANGGEGONGSISHIJIKONGZHIRENDEXINGMOUJIAYIJIBEIBUQISURENXUMOUMOUXIANGSUZHOUYINXINGHUQIUZHIXINGTIJIAOXUJIADEJIANZHUSHIGONGHETONG、CAIWUBAOBIAO、YUANCAILIAOCAIGOUHETONG7000YUWANYUAN,ZAOCHENGYINXINGSUNSHI1900YUWANYUAN。RANER,ZAIZHENCHAGUOCHENGZHONG,JIANCHAYUANCONGGONGANJIGUANTIJIAODEZHENGJUZHONGFAXIAN,XINGMOUJIAYUXUMOUMOUZAIPIANQUDAIKUANDETONGSHI,JUNZHUIJIALEXINGMOUJIAZUOWEIDANBAOREN,ERXINGMOUJIAMINGXIAFANGCHANDEJIAZHIKEYIFUGAIQIANSHUDEDAIKUANJINE,SHUYUZUEDANBAO,YINCIJISHIXINGMOUJIAYUXUMOUMOUXIANGSUZHOUYINXINGHUQIUZHIXINGTIJIAOLEXUJIAZILIAO,DANQIZUEDANBAODEXINGWEI,BUNENGRENDINGXINGMOUJIAYUXUMOUMOUERRENDUIJIYINXINGZAOCHENGDESUNSHIJUYOUFANGRENDEZHUGUANGUYI,YINCIBUNENGRENDINGXINGMOUJIAHEXUMOUMOUGOUCHENGPIANQUDAIKUANZUI。

ZUIHOU,GENJULIFAZHESHELIPIANQUDAIKUANZUIDEMUDE,ZHONGDASUNSHIHUOYOUQITAYANZHONGQINGJIEYINGJIANLIZAIXINGWEIRENDEPIANDAIXINGWEISUNHAILEYINXINGHUOQITAJINRONGJIGOUXINDAIZIJINANQUANDEJICHUSHANG,ERYINXINGHUOQITAJINRONGJIGOUDEZIJINSHIFOUANQUAN,YIKANSHIFOUZAOCHENGSHIJISUNSHI,ERKANSHIFOUXINGCHENGDAIKUANFENGXIAN。ZHIYOUZAIXINGWEIRENDEQIPIANSHOUDUAN,SHIYINXINGHUOZHEQITAJINRONGJIGOUDEJUEZIJINXIANRUJUDAFENGXIANDEQINGKUANGXIA,CAINENGWEIJIYINXINGHUOZHEQITAJINRONGJIGOUDAIKUANZIJINDEANQUAN,DANRUOXINGWEIRENZUEDANBAO,ZEBINGWEIXINGCHENGDAIKUANFENGXIAN,XIANGYINGYIBUNENGRENDINGGOUCHENGPIANQUDAIKUANZUI。

结语:

JINQI,GUOJIASHENJISHUGONGBU《2018NIANDISANJIDUGUOJIAZHONGDAZHENGCECUOSHILUOSHIQINGKUANGGENZONGSHENJIJIEGUO》,QIZHONGZHICHU6GESHENGFENDEJINRONGJIGOUCUNZAIYANGAIBULIANGDAIKUANDENGWENTI,ZHEIKENENGYUDANGXIAJINGJIXINGSHIYOUGUAN,HENDUOZHONGXIAOXINGQIYECHUXIANZIJINHUILONGKUNNAN,SHENZHIZIJINLIANDUANLIEDEQINGKUANG,DAOZHIDAIKUANYUQI,DANZHONGXIAOQIYEZAIDAIKUANGUOCHENGZHONGNANMIANHUICHUXIANTIJIAOXUJIAZILIAOHUOQUXINRENDUDEQINGKUANG,ZAIGUOJIAZHENGCESHISHIDEGUOCHENGZHONG,ZHUANYE、LEIZUIHUADEXINGBIANLVSHIBIANXIANDEYOUWEIZHONGYAO。


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倪菁华
倪菁华广强正规的快三平台金融犯罪案件辩护律师暨经济犯罪辩护与研究中心核心律师
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