Legal content of fraud in the field of consumer lending. Part one

Authors

DOI:

https://doi.org/10.21638/spbu14.2024.202

Abstract

The article shows the scale of development in recent years of the practice of fraud in the field of consumer lending using the latest information technologies and methods of psychological influence on crime victims as a threat to the stability of financial markets. The dynamics of modern crime schemes in the field of consumer lending, aimed at using misleading citizens
as an instrument to steal funds from banks, are examined. The practice of preliminary investigation that has developed in recent years in Russia, as well as judicial practice on the
qualification of fraud in this area, is characterized. It is shown that the widespread unjustified recognition as victims in cases of fraud in the field of lending only of misled citizens who
become instruments of theft of bank funds violates their constitutional rights and at the same time is a significant factor in the catastrophic development of this type of criminal activity. The economic basis of the position of banks is revealed, actively insisting on recognizing citizens who have suffered from fraud as borrowers who have consciously entered into a loan agreement, which consists of ensuring the opportunity to shift corporate risks of losses from
material damage caused to banks by fraudsters to the injured citizens. Based on the conceptual foundations of criminal law and the provisions of the current criminal legislation, a rationale is proposed for recognizing two groups of persons as victims as a result of fraud in the field of consumer lending: banks — as bearing material damage from the theft of funds from them and citizens — as suffering moral damage, becoming instrument for committing a crime. The role of citizens deceived by scammers as an instrument for stealing funds from banks, which
determines the flaw of their will, is determined and revealed.

Keywords:

fraud, credit, victim, property damage, moral damage, law, constitution, legality, corporation, court, unity of court, instrument of crime, financial market, bank., fraud, credit, property damage, moral damage, constitution, bank, unity of court

Downloads

Download data is not yet available.
 

References

Библиография

Кошаева, Татьяна О. 2016. «Совершенствование уголовного законодательства об ответственности за мошенничество». Журнал российского права 5: 72–81.

Малина, Максим А. 2023. «Пути конституционализации российского правосудия». Государство и право 3: 19–26.

Напсо, Марианна Д., Марьяна Б. Напсо. 2021. «Тренды цифровой трансформации общества: актуальные проблемы реализации прав индивида в сфере информации». Журнал российского права 10 (25): 85–97.

Оленников, Сергей М. 2018. «Соотношение гражданско-правового и уголовно-правового регулирования имущественных отношений на примере квалификации сделок, совершенных под влиянием обмана, насилия и угроз». Вестник Санкт-Петербургского университета. Право 3: 383–396. https://doi.org/10.21638/11701/spbu14.2018.308

Петрякова, Людмила А. 2020. «Проблемы квалификации мошенничества в банковской сфере». Сибирский юридический вестник 3 (90): 80–84.

Репецкая, Анна Л., Людмила А. Петрякова. 2022. «Криминологический анализ современного состояния мошенничества в банковской сфере России». Вестник Омского университета. Право 1 (19): 62–72.

Соловяненко, Нина. И. 2023. «Проблемы реализации и защиты прав участников экономических отношений в условиях цифрового неравенства». Государство и право 2: 188–193.

Хилюта, Вадим В. 2009. «Мошеннический обман в теории уголовного права и руководящих разъяснениях судебных инстанций». Научный вестник Омской академии МВД России 2 (33): 30–34.

Щербаченко, Александр К. 2020. «Типичные версии о мошенничестве, совершенном группой лиц, и их место в системе базовой методики их раскрытия и расследования». Философия права 1 (92): 165–169.

References

Khiliuta, Vadim V. 2009. “Fraudulent deception in the theory of criminal law and judicial guidance”. Nauchnyi vestnik Omskoi akademii MVD Rossii 2 (33): 30–34. (In Russian)

Koshaeva, Tatiana O. 2016. “Improvement of criminal legislation on liability for fraud”. Zhurnal rossiiskogo prava 5: 72–81. (In Russian)

Malina, Maksim A. 2023. “Ways of constitutionalization of Russian justice”. Gosudarstvo i pravo 3: 19–26. (In Russian)

Napso, Marianna D., Mariana B. Napso. 2021. “Trends in the digital transformation of society: Actual problems of realizing individual rights in the sphere of information”. Zhurnal rossiiskogo prava 10 (25): 85–97. (In Russian)

Olennikov, Sergei M. 2018. “The ratio of civil and criminal law regulation of property relations on the example of qualification of transactions, made under the influence of deception, violence and threats”. Vestnik of Saint Petersburg University. Law 3: 383–396. https://doi.org/10.21638/11701/spbu14.2018.308 (In Russian)

Petriakova, Liudmila A. 2020. “Problems of fraud qualification in the banking sector”. Sibirskii iuridicheskii vestnik 3 (90): 80–84. (In Russian)

Repetskaia, Anna L., Liudmila A. Petriakova. 2022. “A criminological analysis of the current state of fraud in the Russian banking sector”. Vestnik Omskogo universiteta. Pravo 1 (19): 62–72. (In Russian)

Shcherbachenko, Aleksandr K. 2020. “Typical versions of fraud committed by a group of individuals and their place in the system of the basic methodology for their disclosure and investigation”. Filosofiia prava 1 (92): 165–169. (In Russian)

Solovianenko, Nina. I. 2023. “Problems of implementation and protection of the rights of participants in economic relations in the context of the digital divide”. Gosudarstvo i pravo 2: 188–193. (In Russian)

Downloads

Published

2024-08-07

How to Cite

Pyatov, M. L., Kovalev, V., & Tatarenko, T. G. (2024). Legal content of fraud in the field of consumer lending. Part one. Vestnik of Saint Petersburg University. Law, 15(2), 335–353. https://doi.org/10.21638/spbu14.2024.202

Issue

Vol. 15 No. 2 (2024)

Section

Public and Private Law: Applied Research

License

Articles of "Vestnik of Saint Petersburg University. Law" are open access distributed under the terms of the License Agreement with Saint Petersburg State University, which permits to the authors unrestricted distribution and self-archiving free of charge.