恶意透支行为中的催收要件研究——兼论刑民关系  

On the Essentials of the Collection in Acts of Malicious Overdraft——And the Criminal and Civil Relations

作　　者：张宇 张强 

机构地区：[1]上海市浦东新区人民检察院,上海200135 [2]上海铁路运输检察院,上海200071

出　　处：《铁道警察学院学报》2014年第5期75-80,共6页Journal of Railway Police College

摘　　要：银行的催收行为对认定持卡人是否为"恶意透支型"信用卡诈骗罪具有重要意义,应当结合法律、司法解释以及银行的业务规则对催收的次数、方式、时间起点及间隔等客观特征进行统一梳理。在办理恶意透支相关的民事、刑事案件时,刑民关系的恰当处理是解决问题的关键,囿于"法无明文规定",理论界的纷争和司法处理上的不一致也就在所难免。除了催收要件外,应对其他能够区分恶意透支行为的刑、民客观构成要素进行研究,以期为正确认定信用卡恶意透支违法行为和"恶意透支型"信用卡诈骗犯罪提供指引。Bank collection means a lot to deciding whether a credit owner commits the crime of “malicious overdraft type” credit fraud. The objective characteristics of collection, including frequency, methods and time, should be hackled according to legal and judicial interpretation and bank regulations. While handling civil and criminal cases concerned malicious overdraft, it is critical to handle properly the criminal and civil relations. Because “there＇ s no specific regulation in law”, the disputes in theoretical field and the differences of judicial disposals are unavoidable. Besides the essentials of collection, the studies of other objective criminal and civil essentials, which can distinguish the acts of malicious overdraft, should be made to provide direction for deciding correctly the offences of malicious overdraft and the crimes of “malicious overdraft type” credit fraud.

关 键 词：恶意透支 催收 刑民关系 客观构成要素 

分 类 号：D924[政治法律—刑法学]