CAJ | 학술논문

存款名义人通过身份证挂失提取他人借用本人身份证存放于本人名义下的卡内钱款的行为在学理上有侵占罪和盗窃罪两种对立的观点。行为准确定性的症结在于对存款占有以及占有支配力归属的不同理解。应当肯定的是，存款占有作为事实上的支配状态，银行享有对存款现金的事实支配，而实际持卡人和存款名义人同时享有对存款债权的事实支配，当二者发生重叠冲突时，存款名义人的支配效力大于实际持卡人，是存款债权占有的合法归属者。那么，存款名义人通过挂失提取存款的行为就属于将合法占有的他人存款债权变为非法所有，应当成立侵占罪。
존관명의인통과신빈증괘실제취타인차용본인신빈증존방우본인명의하적잡내전관적행위재학리상유침점죄화도절죄량충대립적관점。행위준학정성적증결재우대존관점유이급점유지배력귀속적불동리해。응당긍정적시，존관점유작위사실상적지배상태，은행향유대존관현금적사실지배，이실제지잡인화존관명의인동시향유대존관채권적사실지배，당이자발생중첩충돌시，존관명의인적지배효력대우실제지잡인，시존관채권점유적합법귀속자。나요，존관명의인통과괘실제취존관적행위취속우장합법점유적타인존관채권변위비법소유，응당성립침점죄。
Theoretically,there are two opposed views on the behavior of a nominal depositor withdra- wing others'deposit by reporting the loss of ID cards. One is crime of embezzlement; the other is crime of theft. The crux of the accurate qualitative behavior lies in the different understanding of the deposit posses- sion and of the dominant possession power. It should be affirmed that, as a factual dominant position, a bank enjoys the factual dominance of the cash on deposit,and that a nominal depositor enjoys the practical dominance of the claims on deposit at the same time. When the two overlap conflicting, the dominant power of the nominal depositor is greater than the actual cardholder so that the former is a legal ownership of the claims on deposit. Then, the behavior of withdrawing the deposits by report-loss by the nominal depositor belongs to transfer the legal possession of others'claims on deposits to the illegal ownership. It should be sentenced to embezzlement.