摘要： 特别法条与普通法条竞合时，是否可以重法优于轻法为补充适用，近年来成为理论界争议的话题。回答这一问题的关键，是充分认识刑法立法中行为类型化的价值，金融诈骗罪行为类型化的研究就是一个适当的分析视角。相对于普通诈骗罪而言，立法对于金融诈骗罪的被害人采取的是弱保护的刑事政策立场。对于金融诈骗犯罪等所涉及的特别法条，其各自的行为类型与意义，刑法理论必须给予基本的尊重。金融领域的制度安排，效益价值往往是其首要追求，尽管公平与安全也是制度的底线要求，但其公平和安全的内涵已经与一般市场领域中的公平、生活领域的安全含义不完全相同。针对市场领域的不法行为，还有民事、行政的规制手段。而这些构成了市场领域刑事立法规定的犯罪行为类型化或者定型化，以及相应的法定刑设置的价值所在。金融诈骗行为，在任何情形下都不应当按照生活领域的普通诈骗罪定罪处罚。对于立法已经作出罪刑相适应原则考量的特别法条，解释者对立法的尊重才是贯彻罪刑相适应原则的体现，特别法条优先于普通法条适用的原则理应得到坚持。

关键词: 行为类型化, 法条竞合, 特别法条, 罪刑法定原则, 金融诈骗犯罪

Abstract: When special articles and common articles are concurred in criminal law，whether the principle of adopting the harsher one as a supplementary application rule has become a topic of disputes in recent years'theoretical debate. The key to answer this issue is to fully realize the value of“types” in criminal legislation. The financial crime is a very appropriate way to analyze this issue. Compared to general fraud，financialfraud legislation adopts the weakened version of“protection of victims”．As to financial fraud and other related special articles，their type value shall be upheld by criminal theories. The institution arrangement of finance puts the value of“efficiency” in priority，although fairness and security are among the bottom linesof its institutional arrangement，the meaning of fairness and security are wholly different from normal marketplace. To deal with illegal acts of market place，we have civil as well as administrative regulations，andthose concerns constitute the value of “typifying” or “fixing” the criminal acts and their punishments in thisarea. Financial fraud，cannot，in any circumstances，to be treated as general fraud in life context. Withspecial articles，legislation has made considerations according to the principle of“crime equal to punishment”．Interpreters shall abide by this criminal law principle. The argument of special article superior tocommon articles needs to be upheld and preserved.

Key words: Typifying Criminal Act, Concurrence of Articles, Special Articles, Principle of LegalPunishment for a Specified Crime, Financial Fraud