浅析恶意透支型信用卡诈骗罪的主体

Analysis on the Subject of Crime of Fraud of Maliciously Overdrawing Credit Card

恶意透支型信用卡诈骗罪的主体认定并不是单一的。如果"办卡人"自己办卡恶意透支,则"办卡人"为刑法规定的犯罪主体,承担刑事责任;如果"办卡人"办理信用卡后,与他人出于恶意透支目的造成危害后果,则"办卡人"与使用人为本罪的共犯,共同承担刑事责任;如果"办卡人"办理信用卡后,并非出于恶意透支合谋的目的,借给他人使用造成危害后果,则"办卡人"承担民事责任,使用人承担刑事责任。

The identification of the subject of crime of fraud of maliciously overdrawing credit card is not single.If the ＂owner＂ himself applies for credit card and then overdraws,he will be the subject of crime provided by criminal law and should bear criminal responsibility.If the ＂owner＂ causes harmful consequences with the purpose of malicious overdraft together with other people after applying for credit card,they will be accomplices and should bear criminal responsibility jointly.If the ＂owner＂ lends his credit card to others without the joint purpose of malicious overdraft after applying for credit card and then causes harmful consequences,the ＂owner＂ should bear civil liability and the user should bear the criminal responsibility.