金融凭证诈骗罪疑难问题探析

金融凭证指银行及银行类金融机构依法办理银行业务所使用的结算凭证;伪造、变造的金融凭证除形式要件虚假之外还包括有权制作人或无权制作人违法制作不实内容、形式要件真实的金融凭证。"使用"只指直接兑现金融凭证记载的财产权利,不包括用其质押、展示等间接使用。使用作废金融凭证或只是冒用他人真实有效的金融凭证诈骗不构成金融凭证诈骗罪。采盗窃、抢劫、抢夺等手段获真实有效金融凭证冒用取财以其手段行为定侵犯财产罪。内外勾结利用职务之便使用伪造、变造的金融凭证取财应以主犯人身份构成的罪名定性。

Analysis of Perplexed Problems of Fraud on Financial Documents

The financial documents refer to documents for settlement used by banks or non -banking institutions in undertaking banking business according to law .The forged or altered financial documents include two types.The first is that the form of financial documents is false , while the second is that the form of financial documents drafted by authorized or non -authorized people is true , but the content thereof is false .“Using” the financial documents refers to direct redemption of the property rights of the documents excluding the indirect using such as pledge and showing .Using the invalid financial documents or falsely using the true financial documents of other people does not constitute the crime of fraud on financial documents .The false use of the valid financial documents through theft , robbery and snatch in order to get the money thereon should be charged with the crime of encroaching on property .With regard to whoever uses forged and altered financial documents to get money thereon by taking advantage of one ’ s position and in collusion with outsiders , the name of crime should be determined by the identity of the principal suspect .