取走滞留在ATM机中无卡无折存款的行为认定

How to Determine the Nature of the Behavior that Taking away other Customer's Cash left in ATM

近年来,随着技术的进步,银行ATM机发展出了无卡无折快速存款业务,但在ATM机上办理该项业务的储户因不熟练等原因常在未竟操作的情况下离去,后续储户将前者滞留在ATM机中的待存现金取走的行为该如何认定,司法实务界尚存争议。绝大多数疑难复杂的财产犯罪案件都与"占有"这一刑法概念有关,本文将从两则案例切入,在对刑法占有的建立、维系、消逝与归属进行系统论述的基础上,结合ATM机的实际运作机理,最终判定滞留在ATM机里的待存现金仍归被害人占有,他人将此取走将涉嫌构成盗窃罪。

In recent years, with the development of technology, customers can deposit money via the ATM without a bank card or bankbook. But some unskilled depositors often leave before finishing the operation. In this case, how to determine the next customer’s behavior of taking the cash left in the ATM remains controversial in judicial practice. The majority of difficult and complex cases of property crime are related to the concept of “possession”. This paper took two cases as examples, discussed the establishment, maintenance,disappearing and ownership of “possession”, together with the operation principle of ATM, and drew the conclusion that the cash left in the ATM still belongs to the victims, others who take the money away will constitute the crime of theft.