长安大学学报：社会科学版
長安大學學報：社會科學版
장안대학학보：사회과학판
Journal of Chang'an University(Social Sciences Edition)
2012年
4期
91-95
,共5页
持卡人%非法占有为目的%两次催收%不归还
持卡人%非法佔有為目的%兩次催收%不歸還
지잡인%비법점유위목적%량차최수%불귀환
cardholder%for the purpose of illegal possession%two collections%not returning
为了准确认定恶意透支型信用卡诈骗犯罪，从“非法占有为目的”的理解、持卡人、“催收不归还”的认定3个方面对信用卡恶意透支的构成要件进行了剖析。分析认为：持卡人不仅限定为自然人，还应包括单位；“明知无力偿还”应包含在“非法占有为目的”之中；两次催收应为“有效性催收”；不归还应区分情况对待。
為瞭準確認定噁意透支型信用卡詐騙犯罪，從“非法佔有為目的”的理解、持卡人、“催收不歸還”的認定3箇方麵對信用卡噁意透支的構成要件進行瞭剖析。分析認為：持卡人不僅限定為自然人，還應包括單位；“明知無力償還”應包含在“非法佔有為目的”之中；兩次催收應為“有效性催收”；不歸還應區分情況對待。
위료준학인정악의투지형신용잡사편범죄，종“비법점유위목적”적리해、지잡인、“최수불귀환”적인정3개방면대신용잡악의투지적구성요건진행료부석。분석인위：지잡인불부한정위자연인，환응포괄단위；“명지무력상환”응포함재“비법점유위목적”지중；량차최수응위“유효성최수”；불귀환응구분정황대대。
To accurately identify malicious overdraft of credit card in the judicial practice, the under- standing for the purpose of illegal possession, cardholders, and not returning to the credit card were ana- lyzed as the three aspects of the concept of a malicious overdraft. By the analysis, the author thinks that cardholder are not only limited to natural persons and should also include units; knowing the inability to repay should be included for the purpose of being in illegal possession ; two collections should be effective collections; and not returning to the credit card should be distinguished.
