恶意透支型信用卡诈骗罪解析

Analysis Defraud Crime of Malicious Overdraft Credit Card

恶意透支是信用卡诈骗罪的行为方式之一,成立的前提是以非法占有为目的。根据透支限额和透支期限,可分为一般违法性恶意透支、超限额型恶意透支和超期限型恶意透支,对后两种犯罪性恶意透支设定"催收不还"这一限定条件以认定其犯罪性。

The crime of credit-card defraud by malicious overdraft is more complexity than other types of crime of credit card fraud.Firstly this paper makes a detailed classification of overdraft to making clear the characteristics of malicious overdraft discriminating from the other type of overdraft macroscopically.And then,by comparing analysis,the article elaborated the issues of the crime of credit-card defraud by malicious overdraft.The ＂aiming to illegal possession＂ is preface of the crime of credit-card defraud by malicious overdraft.The subject of the crime of credit-card defraud by malicious overdraft only limited to the legal cardholder.In objective aspect,exceeded credit limit makes clear the characteristics of malicious overdraft by exceeded credit limit discriminating from the ordinary illegal overdraft.It is necessary to prescribe the malicious overdraft by exceed the time limit.In the end,the article elaborated the rationalization and the legislative original idea of ＂helpless calling-up＂.