“以非法占有为目的”是贷款诈骗罪在主观方面的必要要件,我国刑法典在法律条文中明确规定贷款诈骗罪必须“以非法占有为目的”具有其必要性与合理性,在司法实践中,我们可以采用“司法解释推定说”对其进行判断,“以非法占有为目的”的产生时间只能是产生于贷款之时,而不能是产生于偿还贷款之时。 “The purpose of illegal possession ” is a necessary element of the subjective aspect of loan fraud crime. Our criminal code clearly stipulates in the legal provisions that loan fraud must “have the necessity and rationality for the purpose of illegal possession In judicial practice, we can use ”judicial interpretation of presumption“ to judge it, ”the purpose of illegal possession" can only be generated when the loan occurs, but can not be generated from the repayment of the loan Time.