恶意透支型信用卡诈骗罪疑难问题的司法认定

Judicial Cognizance of the Difficult Problems of the Crime of Malicious Overdraft Credit Card Fraud

实践中恶意透支型信用卡诈骗犯罪案件复杂多样,尽管新修司法解释对许多问题确定了具体标准,但仍存在诸多问题。持卡人的范畴认定应采取限缩范围,身份证明真实即可认定持卡人,财产证明的真假不影响其认定;对于非法占有目的要件从形式标准和实质标准两个维度予以界定;对于催收问题,要注重“有效催收的”作为客观处罚条件的体系地位,更要切实把握对“阻却有效认定”的审查。

In practice,maliciously overdrawn credit cards are complex and diverse,although the new judicial interpretation has set specific standards for many issues,there are still many problems.The identification of the category of the cardholder should be limited in scope,the cardholder can be identified if the identity certificate is true,and the authenticity of the property certificate does not affect the identification of the cardholder Regarding the collection problem,we should pay attention to the system status of"effective collection"as the objective penalty condition,and more importantly,we should grasp the examination of"blocking effective identification".