··························263.3保险诈骗罪的罪数形态·······················································································273.3.1保险诈骗中的一罪论处············································································273.3.2保险诈骗中的数罪并罚············································································283.3.3罪数形态中的常见问题············································································29结论·····························································································································31参考文献·····························································································································32致谢·····························································································································34IV