信用卡“养卡”、“套现”行为的刑法定性分析——兼与刘宪权教授商榷

Qualitative Analysis of Criminal Law on Credit Card “Support Card”,“Cash” Behavior——Discussion with Professor Liu Xianquan

信用卡养卡行为与套现行为,尽管在事实构造上存在不同,但是二者在刑法规范评价上应当做相同评价,只要行为人在养卡套现活动中收取手续费,均构成非法经营罪。类似借记卡性质的预付卡性质的预付费的储值卡、房贷卡等属于刑法意义上的"信用卡",适用于《关于办理妨碍信用卡管理刑事案件具体应用法律若干问题的解释》第7条第一款关于信用卡"套现"中的"信用卡"。信用卡套现的司法解释是针对"其他严重扰乱市场秩序的非法经营行为",而不是"非法从事资金结算业务"。持卡人以非法占有为目的,使用POS机为自己套现,恶意透支的构成非法经营罪和信用卡诈骗罪想象竞合。持卡人使用POS机为自己套现,随后产生非法占有目的恶意透支的,属于转化犯,构成信用卡诈骗罪,不再构成非法经营罪。

Cash behavior and support cash behavior of the credit card,despite the fact that they have different structures,but both in the criminal law should do the same evaluation assessment,as long as the perpetrators charge handling fee in cash raising activities,all constitute the crime of illegal business.Pre-paid cards and the the mortgage cards,which are similar to prepaid debit cards,belong to the criminal law sense of ＂credit card＂.They can be applied for ＂a number of questions on the handling of criminal cases prevent credit card management application specific interpretation of the law＂ in Article 7 the first paragraph on the credit card ＂cash＂ in the ＂credit card.＂ The credit card cash judicial interpretation is for ＂other illegal business activities seriously disrupted the market order,＂ rather than ＂illegal settlement activities engaged in money.＂ Cardholders with the purpose of illegal possession,use the POS machine cash for themselves and then malicious overdraft,which constitute the imagine competing of the credit card fraud and the crime of illegal business.Cardholders use POS machines cash for themselves,and then generate malicious overdraft purpose of illegal possession,belonging to transforming crime,constitutes credit card fraud,no longer constitute the crime of illegal business.