CAJ | 학술논문

借卡人与名义持卡人之间存在事实行为形成的债权债务关系；名义持卡人与银行之间存在法律行为所形成的债权债务关系；借卡人与银行之间不存在影响行为定性评价的法律关系。所以，挂失并取走他人存在借用本人银行卡内钱款的行为在民法层面，只是不履行债务行为的一种，并且这种不履行完全属于当事人意志之外的不履行，因此缺乏对该种行为进行刑法规制的必要性。
차잡인여명의지잡인지간존재사실행위형성적채권채무관계；명의지잡인여은행지간존재법률행위소형성적채권채무관계；차잡인여은행지간불존재영향행위정성평개적법률관계。소이，괘실병취주타인존재차용본인은행잡내전관적행위재민법층면，지시불리행채무행위적일충，병차저충불리행완전속우당사인의지지외적불리행，인차결핍대해충행위진행형법규제적필요성。
The relationship between the card lender and the cardholder in name is the debt relations on the factual behavior;the relationship between the cardholder in name and the bank is the rights debt relations on the legal be-havior;there is no legal relationship affecting behavior qualitative evaluation between the card lender and the bank. So, reporting the loss and taking back the money from the bank card lender is behavior in the civil law level, is a kind of default behavior, and this is not to fulfill completely belongs to the party fails to perform the will, so it is short of the necessity in criminal law regulation for this kind of behavior.