保险诈骗罪若干问题之探析

97刑法对保险诈骗罪的规制有较多疏漏和模糊之处，笔以为：保险诈骗行为远非法定5种，应在刑法条增设一项概括性规定以避免无限制的扩张解释；采用结果犯的构成要件设置模式既符合立法原意也体现刑法的谦抑性；有必要把保险诈骗罪由特殊主体扩充为一般主体；通过客观行为推定行为人的非法占有目的虽有高度盖然性，但不具有完全的一一对应关系；仅实施了制造保险事故的行为而未向保险人索赔不应并罚；法定刑的设置应注重与其他金融诈骗罪相均衡；应增设“过失协助保险诈骗罪”。

Aspects of Crimes of Insurance Fraud

Regulations about crimes of insurance frand in present penal code have many shortcomings and ambiguous points . The author puts forward the following proposals : to set up an item of general rules including in the present 5 kinds of insurance fraud action to avoid the indefinite interpretation; to use the constitutions of consequence crimes to accord with the legal purpose and criminal modesty; to revise the special subjects to general subjects; the subjective acts cannot accord with the illegal possessing purpose completely; the punishments should be balanced with the other crimes of financial fraud; to set up a new crime , crime of helping insurance fraud with criminal negligently.