信用卡诈骗罪之恶意透支:非法占有目的认定问题研究  

Research on Malicious Overdraft in the Crime of Credit Cards Swindling:the Purpose of Illegal Possession

作　　者：王宗光[1] 潘庸鲁[1] 

机构地区：[1]上海市第二中级人民法院,上海200070

出　　处：《河南警察学院学报》2017年第1期72-78,共7页Journal of Henan Police College

摘　　要：非法占有目的作为恶意透支认定的主观要件定位应明确,尽管它的认定离不开客观行为的推定,但它却具有相对的独立性。考虑到恶意透支是由合法透支演化而来,使其具备了天然的民事属性,为此,裁判者应重视持卡人的抗辩事由,对于银行违约、双方达成还款协议、无效催收以及其他客观情势不能及时归还等情形应慎重入罪评价,以避免民事纠纷和刑事行为区分界限的模糊。另基于恶意透支型信用卡诈骗罪所独有特质以及现存的问题,未来应从提高入罪门槛、调整罪名和追诉模式这个三个方面进行完善。当然,为降低此类犯罪的发生率,银行也应反思自我行为、强化风险意识。It should be clear that purpose ot illegal possession is tim subjecuve emment oi matmmus uwt^ut. Although the purpose of illegal possession is determined by objective behavior, it is relatively independent. Consid- ering that the malicious overdraft is evolved by the legal overdraft, so it has some civil properties to some extent. Therefore, judge should pay more attention to the cardholder＇ s defense for this purpose. In order to avoid the ambi- guity between civil disputes and criminal behavior, we should be carefully consider such circumstances as banks default, payment agreements for both parties, invalid collection and other objective situation when the cardholders can not guarantee repayment in time. In addition, in terms of the unique characteristics and the existing problems in crime of credit cards swindling, mode in future. Of course, the bank such crime. we can improve crime＇ s standard and adjust accusation and the prosecution should self - reflect and strengthen the consciousness of risk in order to reduce

关 键 词：恶意透支 非法占有目的 信用卡诈骗罪 

分 类 号：D924.33[政治法律—刑法学]