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骗取贷款罪案件2014-2018年不起诉决定数据分析及无罪辩点

办案律师/作者: 倪菁华 来源:正规的快三平台 日期 : 2018-04-04

骗取贷款罪案件2014-2018年不起诉决定数据分析及无罪辩点

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

一、前言

PIANQUDAIKUANZUISHIZHIYIQIPIANSHOUDUANQUDEYINXINGHUOZHEQITAJINRONGJIGOUDAIKUANDENG,JIYINXINGHUOZHEQITAJINRONGJIGOUZAOCHENGZHONGDASUNSHIHUOZHEYOUQITAYANZHONGQINGJIEDEXINGWEI。

ZAIRICHANGSHENGHUOZHONG,JIEKUANQIYEXIANGYINXINGSHENQINGDAIKUANSHI,GOUXIAOHETONGCUNZAIXUGOUDEQINGKUANGXIANGDUIBIJIAOPUBIAN,QIZHONGDEZHUYAOYUANYIN,YISHIJIEKUANQIYECHANGNIANJIEDAI,YIJINGYUYINXINGDACHENGCHANGNIANJIEDAIDEGUANXI,ERGOUXIAOHETONGYIJINGLUNWEIYIZHONGXINGSHI;ERSHIJIEKUANQIYEZAIDAIKUANSHI,YIJINGJIANGCHANGFANGDENGCAICHANJINXINGLEDIYA,DUIYUDAIKUANYIJINGGOUCHENGZUEDIYA。YINCI,YINXINGFANGDAIDEYUANYINYESHIYINWEIXIANGXINBINGLEJIEQIYEDEHAIKUANNENGLI,ERBINGFEIYINQIYETIGONGDEZILIAO。RANER,YIDANQIYEYINJINGYINGWENTIDAOZHIDAIKUANWUFAGUIHAI,YINXINGBIANJIANGQIYEDAIKUANSHISUOTIJIAODE“XUJIA”ZILIAOTIGONGJIGONGAN,YIGAIQIYEDEXINGWEISHEXIANPIANQUDAIKUANWEIYOU,XUNQIUXINGSHISHOUDUANJIEJUEJINGJIJIUFEN,ZHEISHIDEPIANQUDAIKUANZUICHENGWEILESHIWUZHONGPINFADEFANZUIZHIYI。

二、案件总数及不起诉占比

BIZHEZAIRENMINJIANCHAYUANANJIANXINXIGONGKAIWANG、BASHOUANLIWANGSHANGJINXINGJIANSUO,ZAI2014-2018WUNIANQIJIAN,YIGONGJIANSUODAO3443FENPIANQUDAIKUANZUIANJIANDEQISUSHUHEBUQISUJUEDINGSHU,QIZHONGQISUSHUWEI2879FEN,BUQISUJUEDINGSHUWEI564FEN,BUQISULVWEI16.38%。

1.png

LINGWAI,BIZHEZAIZHONGGUOCAIPANWENSHUWANGJIANSUOBINGTONGJIFAXIAN,TONGSHIQIDEPIANQUDAIKUANZUIANJIANJINRUFAYUANJIEDUANHOU,GONGYOU3629FENPANJUESHU,DANGZHONGPANJUEJIEGUOYOUBEIGAOHUODEWUZUIDE,JINYOU18FEN(YIWEIZHEGONGTONGFANZUIANJIANZHONG,TONGANQITABEIGAOKENENGPANJUEYOUZUI)。YU0.5%BUDAODEWUZUIPANJUELVXIANGBIJIAO,BUQISULVDADAO16.38%YIJINGSHIFEICHANGGAOLE。HUANYANZHI,ZAIJIANCHAYUANSHENCHAQISUJIEDUANCHENGGONGZUJIQISU、SHIXIANANJIANWUZUICHULIJIEGUODEGAILVYAOBIZAIFAYUANJIEDUANZHENGQUWUZUIPANJUEDEGAILVYAOGAODEDUO。

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三、案件年份比较

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正规的快三平台KAOLVDAOZUIGAORENMINJIANCHAYUANANJIANXINXIGONGKAIWANGYIJINGZAI2014NIAN10YUE1HAOCAIKAISHILUXUSHANGXIANYUNXING,QIE2018NIANDEBUFENWENSHUWEINENGJISHISHANGCHUANZHIWANGLUO,ZHENGGUIDEKUAISANPINGTAIKANDAO2015-2017SANGENIANFENLIMIAN,MEINIANPIANQUDAIKUANZUIANJIANDESHULIANGJIBENZAIBAJIUBAIJIANZUOYOUPAIHUAI,FAANLIANGJIAOWEIWENDING。

四、案件地域分布

5.png

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ZAISHANGSHUPIANQUDAIKUANZUIDEJIANCHAWENSHUDANGZHONG,ANJIANSHULIANGZUIDUODESHIHEILONGJIANG、SHANDONG、JILIN、ZHEJIANGZHEISIGESHENGFEN,FENBIEWEI652QI、302QI、295QIHE260QI,FENBIEZHANANJIANZONGSHUDE18.94%、8.77%、8.57%HE7.55%,YUZONGSHUXIANGBI,ZHEISIGESHENGFENDEFAANLIANGSHIZONGSHUDE43.83%。ERPIANQUDAIKUANZUIZAIQITADIYUDEFAANLIANGJIAOWEIPINGJUN,DANXIANGDUILAIJIANG,DONGBUDIQUFAANLIANGXIANGDUIJIAODUO,ZHONGXIBUDIQUFAANLIANGXIANGDUIJIAOSHAO。DANCONGBUQISUDEPIANQUDAIKUANANJIANDIYUFENBULAIKAN,ANJIANSHULIANGZUIDUODEQUESHIHUNAN、JILIN、ZHEJIANG、JIANGSU、SICHUANSIGESHENGFEN,FENBIESHI62QI、55QI、50QI、49QI、46QI,FENBIEZHANANJIANZONGSHUDE10.99%、9.75%、8.86%、8.69%、8.16%,ERHEILONGJIANG、SHANDONGCAIFENBIE20QI、9QI。

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YIHEILONGJIANGSHENGHEHUNANSHENGWEILI,HEILONGJIANGSHENGZAIZHEIWUNIANJIANSHEXIANPIANQUDAIKUANZUIANJIANGONG652QI,JIANCHAYUANZUIZHONGZUOCHUBUQISUJUEDINGDEANJIANWEI20QI,BUQISULVYUEWEI3%;ERHUNANSHENGZAIZHEIWUNIANJIANSHEXIANPIANQUDAIKUANZUIANJIANWEI140QI,JIANCHAYUANZUOCHUBUQISUJUEDINGDEANJIANWEI62QI,BUQISULVGAODA44.29%。YUQITASHENGFENXIANGBI,HUNANSHENGDEPIANQUDAIKUANZUIANJIANBUQISULVMINGXIANYAOGAOCHUHENDUO。

正规的快三平台WOGUODEWUZUIPANJUELVFEICHANGDI,YOUYIGEZHONGYAODEYUANYINJIUSHIZAIJIANCHAYUANDESHENCHAQISUJIEDUANZHONG,YOUXIANGDANGYIBUFENDEANJIANBEIJIANCHAYUANJUEDINGBUQISU,CONGERDEYICHEXIAO,DANGSHIRENYEYINCIBUBEIZHUIJIUXINGSHIZEREN。ZAISHENCHAQISUJIEDUANLIZHENGBUQISUDEJIEGUO,WUYIBIANJIANJINRUFAYUANJIEDUANZAIZHENGQUZUIZHONGWUZUIPANJUEDECHENGGONGLVYAOGAO。YINCI,DANGSHIRENYIDANSHEJIQIANSHEDAOXINGSHIANJIANZHONG,QIBENREN、JINQINSHUYINGDANGJINZAO、JINKUAIWEITUOZHUANYEDEXINGSHILVSHIJIERU,FOUZE,ANJIANZAIQIANQITUODEYUEJIU,WANGWANGHUICUOGUOHENDUOBIANHUDELIANGJI,ZUIZHONGDAOZHIANJIAN“LANWEI”。ZHENGGUIDEKUAISANPINGTAIRENWEI,ZHIYOUZHUANZHU、ZHUANYEYUMOUYIXIFENLINGYU,DUIGAILINGYUDELILUNHESHIJIANJINXINGXITONGDEYANJIUHELILIAN,ZHANGQIJILEIZHEIFANGMIANJINENGHEJIQIAODELVSHI,CAINENGWANQUANSHENGRENGAILINGYUANJIANDEBIANHUGONGZUO。

五、案件数前十的检察院

2014-2018NIANJIANDESHEXIANPIANQUDAIKUANZUIANJIANDANGZHONG,ANJIANSHULIANGPAIMINGQIANSHIDERENMINJIANCHAYUANSHINAJIGENI?ZUOCHUDEBUQISUJUEDINGSHULIANGPAIMINGQIANSHIDEJIANCHAYUANYOUSHINAJIGENI?

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CONGYISHANGDETUBIAOZHONGKEYIKANCHU,HEILONGJIANGSHENGRENMINJIANCHAYUANNONGKENQUFENYUANDEANJIANSHULIANGWEIJUBANGSHOU,GONG109QI;QICIWEITONGLIAOSHIKEERQINQURENMINJIANCHAYUANHEWENZHOUSHILUCHENGQURENMINJIANCHAYUAN,FENBIEWEI67QI、44QI。CONGANJIANSHULIANGQIANSHIDERENMINJIANCHAYUANFENBULAIKAN,HEILONGJIANGDUZHANSANXI。

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ERZUOCHUBUQISUANJIANSHULIANGQIANSHIDERENMINJIANCHAYUANZHONG,XINJIANGDIQUDEJINGHEXIANRENMINJIANCHAYUANZUOCHUDIQUDERENMINJIANCHAYUANPAIMINGDIYI,14QI,QICISHIZHEJIANGSHENGSHAOXINGSHIKEQIAOQURENMINJIANCHAYUAN,11QI。

六、不起诉决定的类型

WOGUOXINGSHISUSONGFAGUIDINGLESANZHONGBUQISUDELEIXING,FENBIESHIFADINGBUQISU(YEJIAOJUEDUIBUQISU)、ZHUODINGBUQISU(YEJIAOXIANGDUIBUQISU)、CUNYIBUQISU(YEJIAOZHENGJUBUZUBUQISU)。BIZHETONGJILEGUANGDONGDIQU2014-2018NIANJIANGONG4QISHEXIANPIANQUDAIKUANZUIDEBUQISUANLI,FADINGBUQISUGONG0QI,ZHUODINGBUQISUGONG1QI,CUNYIBUQISUGONG3QI,CUNYIBUQISUZHANZONGSHUDE75%,KEWEISHIDABANBIJIANGSHAN。

七、骗取贷款罪的辩点总结

BIZHEZONGJIEYISHANGDEBUQISUANLI,GUINACHUSHEXIANPIANQUDAIKUANZUIDEANJIANZAISHENCHAQISUJIEDUANKENENGCUNZAIYIXIADEBIANHUYAODIAN:

(一)在银行工作人员明知的情况下形成的虚假购销合同骗取贷款的行为

案例来源:正规的快三平台

正规的快三平台JIANCHAYUANGUANDIAN: DIYI,XIANYOUZHENGJUWUFAZHIJIECHONGFENZHENGSHIBEIBUQISURENLIMOUMOUTIGONGXUJIADEZICHANZHENGMING;DIER,BEIBUQISURENLIMOUMOUYU2010NIAN9YUEZHI2012NIAN9YUESANCIXIANGZHONGGUOMINSHENGYINXINGCHANGSHUFENXINGSHENQINGLIANBAOTIDAIKUANHUODESHENPITONGYIBINGQIANDINGJIEKUANHETONGHOU,JINGYOUGAIXINGGONGZUORENYUANZHUDONGTIGONGGOUXIAOHETONGGESHI,BINGMINGQUEGAOZHIGOUXIAOHETONGXIYONGYUGERENDAIKUANZHIFUSHENQING,BINGRANGBEIBUQISURENTIGONGKEKONGZHIDESHOUTUOZHIFUZHANGHUYONGYUGAIXINGFUKUAN。GUGAIXUJIADEGOUXIAOHETONGXIZAIYINXINGGONGZUORENYUANMINGZHI、ZHISHIQINGKUANGXIAXINGCHENG,QUEFACHONGFENDEQIPIANYISI;DISAN,BEIBUQISURENLIMOUMOUYUTARENSUIXILIANBAOTIDAIKUANCHENGYUAN,XIANGHUCHENGDANLIANDAIDANBAOZEREN,DANDUIQITARENYUANDEXINGWEIBUJUYOUXINGFASHANGDEGONGTONGFANZUIGUANXI。ZONGSHANG,BUFUHEQISUTIAOJIAN。YIZHAO《ZHONGHUARENMINGONGHEGUOXINGSHISUSONGFA》DIYIBAIQISHIYITIAODISIKUANDEGUIDING,JUEDINGDUILIMOUMOUBUQISU。

(二)虽然实施了骗贷的行为,但有足额担保的情况下,不视为给银行或其他金融机构造成重大损失

案例来源:正规的快三平台

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

(三)骗贷数额巨大但到期已归还,或在案发后归还,不需要判处刑罚

LEISIANLI: JINZHONGSHIRENMINJIANCHAYUANJINZHONGJIANXINGERXINGBUSU[2017]1HAO《BUQISUJUEDINGSHU》;HEILONGJIANGSHENGRENMINJIANCHAYUANNONGKENQUFENYUANHEISUINONGJIANGONGSUXINGBUSU[2016]7HAO《BUQISUJUEDINGSHU》;XIAYIXIANRENMINJIANCHAYUANXIAJIANGONGSUXINGBUSU[2019]2HAO《BUQISUJUEDINGSHU》;LIANSHUIXIANRENMINJIANCHAYUAN LIANJIANSUXINGBUSU[2018]59HAO《BUQISUJUEDINGSHU》DENGDENG…

(四)行为人犯罪情节轻微,具备自首或坦白、主观恶性小、积极退赃、取得被害人谅解等情节,依法可以作出相对不起诉决定

LEISIANLI: QIANGUOERLUOSIMENGGUZUZIZHIXIANRENMINJIANCHAYUAN QIANJIANXINGJIANXINGBUSU[2019]6HAO《BUQISUJUEDINGSHU》;SHANGHAISHIJINGANQURENMINJIANCHAYUAN HUJINGJIANJINRONGXINGBUSU[2019]1HAO《BUQISUJUEDINGSHU》;SUIHUASHIBEILINQURENMINJIANCHAYUAN SUIBEIJIANGONGSUXINGBUSU[2018]46HAO《BUQISUJUEDINGSHU》DENGDENG……

(五)侦查机关认定犯罪的事实不清、证据不足,不符合起诉条件

LEISIANLI: LOUDISHIRENMINJIANCHAYUAN LOUJIANGONGYIXINGBUSU[2016]1HAO《BUQISUJUEDINGSHU》;HAINANSHENGRENMINJIANCHAYUANDIYIFENYUAN QIONGJIANYIFENGONGSUXINGBUSU[2015]3HAO《BUQISUJUEDINGSHU》;PUERSHIRENMINJIANCHAYUAN PUJIANGONGSUXINGBUSU[2015]4HAO《BUQISUJUEDINGSHU》DENGDENG……

最后,笔者希望这篇关于骗取贷款罪不起诉的大数据分析文章能对大家有所帮助。

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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
证件号:094511
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