金融诈骗罪（crime of financial fraud）是《中华人民共和国刑法》规定的破坏社会主义市场经济秩序罪中的罪名，是指以非法占有为目的，采用虚构事实或者隐瞒事实真相的方法，骗取公私财物或者金融机构信用，破坏金融管理秩序的行为。

参考双语法规：

《刑法》第一百九十二条：

以非法占有为目的，使用诈骗方法非法集资，数额较大的，处五年以下有期徒刑或者拘役，并处二万元以上二十万元以下罚金；数额巨大或者有其他严重情节的，处五年以上十年以下有期徒刑，并处五万元以上五十万元以下罚金；数额特别巨大或者有其他特别严重情节的，处十年以上有期徒刑或者无期徒刑，并处五万元以上五十万元以下罚金或者没收财产。

Whoever, for the purpose of illegal possession, unlawfully raises funds by means of fraud shall, if the amount involved is relatively large, be sentenced to fixed-term imprisonment of not more than five years or criminal detention and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount involved is huge, or if there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount involved is especially huge, or if there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or be sentenced to confiscation of property.

《刑法》第一百九十三条：

有下列情形之一，以非法占有为目的，诈骗银行或者其他金融机构的贷款，数额较大的，处五年以下有期徒刑或者拘役，并处二万元以上二十万元以下罚金；数额巨大或者有其他严重情节的，处五年以上十年以下有期徒刑，并处五万元以上五十万元以下罚金；数额特别巨大或者有其他特别严重情节的，处十年以上有期徒刑或者无期徒刑，并处五万元以上五十万元以下罚金或者没收财产：

Whoever commits any of the following acts to defraud a bank or any other financial institution of loans for the purpose of illegal possession shall, if the amount involved is relatively large, be sentenced to fixed-term imprisonment of not more than five years or criminal detention and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount involved is huge, or if there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount involved is especially huge, or if there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or be sentenced to confiscation of property:

(一)编造引进资金、项目等虚假理由的；(1) inventing false reasons for obtaining funds, projects, etc. from abroad;

(二)使用虚假的经济合同的；(2) using a false economic contract;

(三)使用虚假的证明文件的；(3) using a false supporting document;

(四)使用虚假的产权证明作担保或者超出抵押物价值重复担保的；(4) using a false property right certificate as guaranty or repeatedly using the same mortgaged property as guaranty in excess of its value; or

(五)以其他方法诈骗贷款的。(5) defrauding loans by any other means.

参考双语例句：

Anyone who receives, deposits, trades in, converts or transfers money, securities, property or other financial resources in the knowledge that they are derived from activities related to drug trafficking, fraud, illicit arms trafficking, trafficking in persons, kidnapping, extortion, embezzlement, corruption of public servants, terrorist acts, theft or international trafficking in vehicles, as provided for under Panamanian criminal law, with the aim of hiding or concealing their illicit origin or of helping to evade the legal consequences of such crimes shall be sentenced to 5 to 12 years’ imprisonment and a fine of 100 to 200 days.

根据巴拿马刑法规定，凡接收、储存、交易、转换或转让资金、证券、财产 或其他财政资源，且明知它们源自与贩毒 、诈骗 、 非法武器贩运、贩运人口、 绑架、勒索、贪污、腐蚀公职人员、恐怖主义行为、盗窃或国际贩运车辆有 关的活动，而且其目的是隐藏或掩盖其非法来源或协助逃避此种犯罪的法律后果的，应处以 5 至 12 年监禁和 100 至 200 天的罚款。