贷款欺诈犯罪作为金融领域的罪行,其定罪与借贷融资方面的其他法律法规紧密相关。《物权法》在资产流转方面制定了一些新规范。尤其是超额抵押及应收账款出质方面的规则变动将对贷款欺诈犯罪的认定产生较大影响。本文将对这些新发展进行研究,并在民事与刑事之间的互动进行了展望。 Loan fraud Crime, as a crime in the financial sector, is closely linked to other laws and regulations in the area of ​​borrowing financing. “Property Law” in the transfer of assets developed a number of new norms. In particular, changes in the rules governing over-pledging and receivables pledging will have a significant impact on the identification of crimes of loan fraud. This article will examine these new developments and look forward to the interaction between civil and criminal matters.