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来源:百度知道 编辑:UC知道 时间:2024/06/03 06:20:28
《刑法》第198条对保险诈骗罪的客观表现形式进行了列举式规定,文章紧密结合法条,采取分类、比较的方法分别对五种行为方式进行了展开分析。对虚构保险标的应进行广义解释,即虚构保险标的并不局限于保险标的不存在,也包括保险标的存在,但对一些与保险标的有关的重要事实不如实说明。要注意区分“夸大损失程度”与虚构保险标的中的“超额保险”。非保险标的冒充保险标的属于“编造未曾发生的保险事故”。
针对司法实践中在保险诈骗罪客观方面认定上的一些疑难问题,文章进行了较为深入的研究。事后投保,其本质上属于“虚构保险标的”投保。故意扩大保险事故的行为,不管是积极方式,还是消极方式,均属于“故意造成财产损失的保险事故”。为骗取保险金自杀未遂的,不应一概认定为无罪。保险合同中的不可抗辩条款应成为阻却保险诈骗罪成立的理由。
叙明罪状立法模式存在诸多缺陷,文章建议设立兜底条款予以补充。虚构保险利益具有相当的危害性,而且与“虚构保险标的”采取的是相同的欺诈手段,应在罪状中单独予以规定。保险诈骗罪除了涵盖商业保险领域外,还应延伸到社会保险领域。罪状的语言表述,应力求简洁、明确。本罪的罪状规定中,对不具有实行性的行为亦当做该罪的实行行为独立规定,混淆了实行行为的标准。
关键词:保险诈骗罪 客观方面 立法缺陷
From the perspective of qualitative and quantitative point of view, the relationship between the insurance contract with the point of view, insurance fraud objective with regard to the following four characteristics: First, insurance fraud crimes, so as to the basis for the relationship between the insurance contract; II, insurance fraud crimes Possible in all aspects of the insurance business; three insurance fraud criminal fraud and diversity; four, the amount of insurance fraud is a criminal offense. Insurance fraud on the objective characteristics of understanding, and help us determine the correct understanding of insurance fraud patterns in many forms,万变不离其宗.
"Criminal Law" Section 198 of insurance fraud in the form of an objective performance-cited provisions of the article in close connection with the law, to take the classification method were compared to the five acts were carried out analysis of the way. On the fictitious insurance should be the sub