恶意透支行为刑事司法认定问题研究

Research on Judicial Recognition of Malicious Overdraft

恶意透支信用卡行为和使用伪造、作废的信用卡和冒用他人信用卡三种行为共同构成信用卡诈骗罪的客观行为。如何准确认定恶意透支行为成为当前的重要课题。本文对准确认定超过规定限额透支,超过规定期限透支,经发卡银行催收后仍不归还,数额较大等要件进行了深入研究。最后,还对恶意透支行为应独立规定为滥用信用卡罪提出立法建议,以期对刑事立法和司法有所裨益。

Malicious overdraft,together with using forged or void credit card and false use of others credit cards,constitutes the objective behaviors of Crime of Credit-card Defraud.How to correctly recognize malicious overdraft becomes an important issue at present.This article makes thorough study on correctly recognize elements such as overdraft exceeding credit line,overdraft exceeding time limit,failure to refund after collection by bank,large number.At last,this article proposes legislative suggestion on criminalizing malicious overdraft as Crime of Misuse of Credit Card to make some benefits to criminal legislation and judicial practice.