再论信用卡诈骗罪之“恶意透支”  

On the Intentional Overdraft of the Credit Card Fraud Crime

作　　者：刘跃挺[1,2] Liu Yueting

机构地区：[1]西北政法大学刑事法学院 [2]德国哥廷根大学法学院犯罪学研究中心

出　　处：《刑法论丛》2022年第2期218-234,共17页Criminal Law Review

基　　金：德意志联邦洪堡基金会科研资助项目《现代中国法治体系建设与实践正义研究》(项目编号:Ref 3.5-CHN-1164467-HFST-P)

摘　　要：自1996年《最高人民法院关于审理诈骗案件具体应用法律若干问题的解释》明确将恶意透支型信用卡诈骗行为规定为诈骗罪时起,迄今恶意透支型信用卡诈骗罪明文规定已有二十多年的历史。信用卡诈骗罪中恶意透支的方式、种类以及银行催收之时间间隔、催收不能之责任认定等诸多方面的法律规定、尤其是相应的刑事立法与司法解释或者市场上普遍接受的、成常态化了的实践性习惯皆会因市场的这种高速发展而显得不够完善,无法满足这种市场高速发展的要求。无论在概念内涵,还是在司法认定之实践经验方面,均存有学术研究视角下的意见分歧。本文与以往学者之部分学术主张的不同点在于,应从刑法之谦抑性与罪刑均衡原则之视角,讨论该罪之内涵构建与司法认定。Since 1996,the Supreme Court has defined clearly the intentional overdraft of the credit card fraud crime more than 20 years in“On Specific Application of the Law in the Fraud”.In the ways,kinds,intervals,responsibility of demand of return,many laws,especially corresponding criminal legislation and judicial interpretation,cannot generally meet the Market with the rapid development and the requirements of this booming market.Different with other professors,it is argued that we should adhere to the principle of Modesty of Criminal Law and Crime balance.There are differences of opinion from the perspective of academic research in terms of conceptual connotation and practical experience of judicial determination.The difference between this paper and some academic propositions of previous scholars is that the connotation construction and judicial determination of the crime should be discussed from the perspective of the modesty of criminal law and the principle of balance between crime and punishment.

关 键 词：恶意透支 诈骗罪 催收 非法占有 

分 类 号：D924.35[政治法律—刑法学]