信用卡恶意透支

论信用卡恶意透支型犯罪立法科学化

On the Legislation Scientization of the Credit Card Overdrawing Crime

信用卡恶意透支案件侦查思路探析

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

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。

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

信用卡恶意透支风险就是指信用卡持卡人没有能力偿还所欠的信用卡债务或不愿意偿还所欠的信用卡债务，使银行不能收回或不能及时收回债权而给银行带来的可能损失。

The risk of credit card malicious overdraft is that cardholders cannot afford to repay credit card debt or are unwilling to repay credit card debt , so that banks could not recover the debt or recover the debt in time and cause the possible loss for banks .

主要包括使用型信用卡诈骗和恶意透支行为。

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

骗领信用卡人不能成为恶意透支的犯罪主体；

People who got credit cards fraudulently cannot become the subject of the crime of 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。

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

Different punishments shall be given to using mock credit cards , expired credit cards , others ' credit cards , or 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。

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。

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 .

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。

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 .