文章探讨单位贷款案件刑民判决共存的合理合法性 ,但提出在同一贷款合同下 ,合同违约的民事责任判决和合同诈骗的刑事责任判决是不能共存的 ,是判决的冲突 ,有损判决的权威。对同一贷款合同 ,在已经有生效民事判决认定合同有效情况下 ,再进行刑事诈骗的认定 ,有违一事不再理原则 ,在程序上应当先改变生效民事判决 This paper discusses the reasonable legitimacy of the existence of the combination of criminal and civil judgments in the unit loan cases. However, it is argued that under the same loan contract, the civil liability judgment of contract breach and the criminal responsibility judgment of contract scams can not coexist. It is the conflict of judgments and the authority that damages judgments . For the same loan contract, where the effective civil judgment has been concluded, the determination of criminal fraud will violate the principle of non-reciprocity and the procedural changes should be made to the civil judgment