论利用ATM机故障恶意取款行为的定性——兼论侵占罪、盗窃罪、信用卡诈骗罪实行行为的区别

On Nature of Malicious Withdrawal of Money from the Malfunctioned ATM——Concurrently on Difference Analysis of Conducts in Crime of Embezzlement,Theft,and Credit Card Swindle

利用ATM机故障恶意取款行为是指信用卡的合法持卡人,或者经持卡人合法授权的人,在明知银行的ATM机出现技术故障的情况下,进行取款、转账等操作程序,非法占有银行资金的行为。这种行为具有五个特征,即信用卡的真实性、主体的合法性、银行的过错性、行为的形式正当性和主观的恶意性。对利用ATM机故障恶意取款的行为应当定盗窃罪,而不能以信用卡诈骗罪或侵占罪处罚。

The malicious withdrawal of money from the malfunctioned ATM refers to the operation of money withdrawal or transfer for the purpose of illegal embezzlement of bank currency by the legitimate credit card holder or the person under legal authorization by the card holder,who knew that the ATM has malfunctioned. Such conducts bear five features as the authentic credit card,the legitimacy of the subject,the negligence of bank; the justifiability of conduct in form and the mental malice. Therefore,the malicious withdrawal of money from the malfunctioned ATM should be defined as the crime of theft rather than the crime of credit card swindle or crime of embezzlement.