malicious overdraft

Set an individual crime of malicious overdraft of credit card ;

恶意透支型信用卡犯罪应独立成罪；

Exploration and Analysis on the Investigation Thinking to Cases of Credit Card Malicious Overdraft

信用卡恶意透支案件侦查思路探析

Mainly include the use of credit card fraud and malicious overdraft behavior .

主要包括使用型信用卡诈骗和恶意透支行为。

First , I was not intentionally malicious overdraft , and is the first time this happens .

第一，我不是故意恶意透支的，且是第一次发生这种情况。

People who got credit cards fraudulently cannot become the subject of the crime of malicious overdraft .

骗领信用卡人不能成为恶意透支的犯罪主体；

The third part dwell on the deficiencies of legal control system of credit card malicious overdraft risks in our country .

第三部分论述我国信用卡恶意透支风险法律控制所存在的缺陷。

Research on the Crime of Credit-card Defraud by Malicious Overdraft

恶意透支型信用卡诈骗研究

The subjective requirement of malicious overdraft is intentional , which is intention by illegal possession .

恶意透支行为的主观罪过形式是故意，具有非法占有目的；

Different punishments shall be given to using mock credit cards , expired credit cards , others ' credit cards , or malicious overdraft .

对使用伪造、作废信用卡、冒用他人信用卡，恶意透支行为，应区别不同情况分别处理；

Finally , this study provides a management model for preventing malicious overdraft of credit card from happening , from inside to outside and from above to bottom .

最后，在总结国内外部分信用卡管理的成功经验和具体措施的基础之上，提出了一个由内到外、至上而下的防范信用卡恶意透支发生的管理模式。

About this question , the author think it should be cautious , and the malicious overdraft credit card crime should not be an independent crime .

最后，讨论了恶意透支型信用卡犯罪是否应从信用卡诈骗罪中独立出来的问题，笔者认为应慎之，不宜独立成罪。

However , in our theoretical and judicial practice , type of malicious overdraft credit card Crimes still exist many problems ; bigger dispute , law stipulates not clear .

然而，在我国理论界与司法实践中，对恶意透支型信用卡犯罪的认定还存在着较大争议，且问题较多，法律规定不明确。

The subject of the act of malicious overdraft includes this legal cardholder and that cardholder who gains credit card by defrauding .

从恶意透支行为的主体包括合法持卡人和骗领信用卡的人；

Then it analyzes malicious overdraft crimes from the overdraft function of credit card to definite the graceful overdraft and malicious overdraft .

首先分析了信用卡诈骗罪中恶意透支行为与其他三种表现形式的关系和区别，然后从信用卡的透支功能着手，对恶意透支进行分析，明确了善意透支和恶意透支的界限。

Unit should constitute the corpus of that offense . Finally , if the malicious overdraft credit card crime should be independent from the crime of credit card fraud is discussed .

在这个部分，笔者着重探讨单位是否应构成恶意透支型信用卡诈骗罪的主体，笔者建议单位应当构成该罪的主体。

In judicial practice of the basic level , we should how to correctly understand the interpretation of the legislative intent , how to effectively apply the interpretation to malicious overdraft credit card fraud .

在基层司法实践中，如何准确理解该解释的立法意图，有效的适用解释应对恶意透支型信用卡诈骗犯罪尚有疑问。

As holders accepted 24 hours after the time of the risk of loss borne by the card-issuing banks , many of the risk of loss finally evolved into fake malicious overdraft risk .

由于持卡人挂失之时起24小时之后的风险损失由发卡银行承担，许多的遗失假冒风险到最后就演变成了恶意透支风险。

The concept of malicious overdraft , the distinction of bona fide and malicious overdraft , and the common forms of malicious overdraft in practice are introduced in this part .

本部分介绍了恶意透支的概念、善意透支和恶意透支的区分，以及在实践中恶意透支的常见表现形式。

Credit card malicious overdraft is the basic form of credit card operation , it reflects the bank credit , and its essence is for card-issuing banks to honor cardholders a consumer credit .

信用卡透支是信用卡运作的基本形式，体现了银行信用，其实质是发卡银行向持卡人提供的一种消费信贷。

However , at the same time , malicious Overdraft credit card fraud has become increasingly rampant , as the spread of the potential , and it also has become a hidden danger of developing financial markets .

但是，与此同时，恶意透支型信用卡诈骗犯罪也日益猖獗，成泛滥之势，成为了金融市场发展的一个隐患。

In various means of social control , since legal system has the unique social control function , as well as the effective regulation and guarantee of credit , legal system is the best choice for risk control of credit card malicious overdraft .

在各种社会控制手段中，由于法律所具有的独特的社会调控功能，以及对信用的有效调整和保障，使得法律成为了对信用卡恶意透支风险进行控制的最佳选择。

Consequently how to determine malicious overdraft behavior accurately , strike malicious overdraft effectively , guarantee healthy development of our country credit card business , bank funds safety , steady financial order has become urgent matter of the moment .

因此如何准确定性恶意透支行为，有效打击恶意透支型信用卡诈骗犯罪，保障我国信用卡业务健康发展、银行资金安全、金融秩序稳定业已成为当务之急。

Which focused on the objective aspect of the crime of credit card fraud , the provisions of the criminal law on the crime of credit card fraud five behavior way , especially malicious overdraft carried on elaborated exhaustively .

其中重点探讨了信用卡诈骗罪的客观方面，对刑法规定的信用卡诈骗罪的五种行为方式，尤其是恶意透支（？）行了较为详尽的论述。

The third part mainly from the object and objective aspects of malicious Overdraft constitute the crime of credit card fraud analysis , the focus is based on the latest judicial interpretation to define the amount of between civil law and criminal law .

文章第三部分主要从客体和客观方面对恶意透支型信用卡诈骗罪的犯罪构成进行分析，重点在于依据最新的司法解释对罪与非罪之间的数额进行界定。

Talking the subject factor , the author discusses the reason why units should be the crime subject of the crime of fraud by credit card in current justice ; and highly analyzes malicious overdraft cardholder is legitimate cardholders .

在主体要件中，阐述了单位应当成为本罪主体的原因，并着重分析了恶意透支型信用卡诈骗罪的主体仅限于合法持卡人的理由。

In this part , we first introduce the concept and the function of the credit , meanwhile raises the credit card malicious overdraft risks concept and types , and the legal control issues of the credit card malicious overdraft risks in my country .

在这一部分里，主要对信用卡的概念、功能进行简单的介绍，同时引申出信用卡恶意透支风险的概念和类型以及我国信用卡恶意透支风险的法律控制问题。

The second part will be both the subject and the subjective type of crime constitutes a malicious overdraft credit card fraud analysis , focusing on the subjective side view of the analysis , analysis of malicious overdraft in the specific meaning of judicial practice .

文章第二部分将从主体和主观方面两个犯罪构成对恶意透支型信用卡诈骗罪进行分析，重点从主观方观进行分析，分析恶意透支在司法实践中的具体内涵。

The first part focuses on the content of the basic features of credit card fraud and legal nature , the same time , credit card fraud Malicious Overdraft general analysis of the characteristics and classification according to different characteristics , so different from different categories of legal analysis .

文章第一部分内容集中研究信用卡诈骗罪的基本特征和法律性质，同时对恶意透支型信用卡诈骗罪的特点进行概括性分析，并依据不同的特点做出分类，从而从不同类别进行不同的法理分析。

The credit card crime of various type emerges , especially malicious overdraft happens more and more , the criminal makes use of the overdraft function that the credit card owns and cheats funds of bank , impact the financial order of stable health of our country .

各种类型的信用卡犯罪应运而生，特别是恶意透支型信用卡诈骗犯罪愈演愈烈，犯罪分子利用信用卡本身具有的透支功能大肆恶意透支，骗取银行资金，对我国稳定健康的金融秩序造成了冲击。

With the current judicial practice , analysis of the current credit card fraud on the legislation in the lack of additional units from the crime , malicious overdraft separate crime , improve the legislative technical aspects such as improving the credit card fraud in the legislative proposals and ideas .

结合目前的司法实践，分析了当前对信用卡诈骗罪的立法中存在的不足，从增设单位犯罪、单列恶意透支犯罪、提高立法技术等方面提出了完善信用卡诈骗罪的立法建议和构想。