保险诈骗罪的认定及法律适用 .pdfVIP

保险诈骗罪的认定及法律适用 Abstract Insurance fraud has serious social harm, we must strengthen the theoretical research on insurance fraud and in judicial practice The crackdown. This article focuses on the judicial determination of the crime of insurance fraud, the crime of insurance fraud, the boundaries of the crime, the criminal form of some of the problems, from a multi-angle detailed analysis. The object of insurance fraud includes the state insurance system and the property ownership of the insurance company, the subject is limited to the insured, the insured and the beneficiary, the crime of insurance fraud is a direct intentional crime, must be illegal possession of insurance as a key element. The amount of large insurance is an important criterion for the crime of crime and non-crime, the crime of insurance fraud is the amount of crime, the existence of attempted form, the special nature of insurance claims led to insurance fraud often in the form of joint crime, so the case is more complex. Insurance fraud crime in the form of crime is mainly involved in committing the problem, the implication of the existence of a crime and a number of different ways of punishment. Through the discussion of this article, the author hopes to play a role in the research of insurance fraud theory and judicial practice. **广播电视大学开放教育法学本科毕业论文 Key words insurance fraud constitute of crime patterns of crime 序言 保险诈骗活动具有严重的社会危害性，不仅影响保险事业的健康运行和发展，还会 带来其他的社会危害，其手段行为很可能会危及到其他财产、人身、生产、生活等很 多 领域。正因为如此，许多国家和地区在法律中也都对保险诈骗活动规定了严厉的打击 措 施，有些国家还设有专门的组织、机构以防范保险诈骗行为的发生。在我国，保险事 业 的起步和恢复比较晚， 1979 年《刑法》对保险诈骗罪未作独立的规定，在当时司法 实践 中，对于发生的保险诈骗案件，司法机关依据普通诈骗罪的规定处罚。近些年来，随 着 我国保险事业的不断发展和深入 ，保险诈骗活动日益突出 ，不仅严重扰乱了保险业的 正 常运行和国家的金融秩序，而且给国家、保险公司造成了重大的经济损失。 1995 年 6 月 30 日《中华人民共和国保险法》颁布，对保险活动的条件、程序等都做了比较全 面 的规定，并明确指出，保险欺诈活动成立犯罪的，依照刑法的规定进行处罚。同时， 为 了保障我国保险事业的顺利发展，保