保险诈骗罪犯罪既遂与未遂形态比较研究

本在比较世界主要国家保险诈骗罪之犯罪既遂与犯罪未遂形态理论的基础上，认为，中国刑法中的保险诈骗罪是复合实行行为，其着手时点应以行为人开始实施虚构保险标的，编造未曾发生的事故，夸大损失程度，制造保险事故的行为为标准，中国刑法对保险诈骗罪犯采用了结果犯的立法模式，因此，其既遂应以行为人可否实际控制保险金为标准。

A Comparative Study on Two Forms of Insurance Cheat

Based on the comparison of the theories about the accomplished insurance cheat and the unaccomplished insurance cheat in the main countries over the world, the author of this paper argues that the insurance cheat in the law of China is a crime marked by a complex implementation. The beginning of it is indicated by the implementation of the cooking up of the insurance level and the incident, by the exaggeration of the loss and by the making of insurance incident. The accomplishment of it can be judged by asking whether the doer can actually control the insurance or not.