骗取贷款罪作为以欺骗手段骗取银行或者其他金融机构贷款并给其造成重大损失或有其他严重情节的犯罪,司法实践中似乎越来越倾向于惩罚借款人的欺骗行为,即只要借款人采取了欺骗手段,无论是否给银行或者其他金融机构造成重大损失的行为,都会被认定为犯罪。其他严重情节成为没有重大损失之骗取贷款罪认定的模糊标准。这使骗取贷款罪有演化为行为犯之趋势。 Fraudulent lending as a crime of fraudulently fraudulently lending money to banks or other financial institutions and causing them heavy losses or other serious circumstances may seem increasingly inclined to punish borrowers for deception in judicial practice, as long as the borrower takes Fraudulent means, whether or not causing significant losses to banks or other financial institutions, are considered crimes. Other serious circumstances have become a vague standard for the fraudulent claim of loan fraud without major losses. This makes the crime of defrauding lending evolved into behavior.