CAJ | 학술논문

“伪卡”的认定应以伪造的信用卡中是否包含虚假信息并能实现购物、消费、取现等功能为主要判断标准。骗领型信用卡诈骗罪与冒用型信用卡诈骗罪的主要区分标准在于信用卡是否为银行合法发放。“使用”信用卡是指以能够实现真实信用卡的功能、用途的方式予以利用的行为。冒用型信用卡诈骗罪中的“信用卡”通常应当是真实、有效的信用卡。透支型信用卡诈骗罪的主体不仅包括合法持卡人，还应当包括经合法持卡人授权使用该卡的其他人。“以非法占有为目的”是认定透支型信用卡诈骗罪中应予证明的主观要件。
“위잡”적인정응이위조적신용잡중시부포함허가신식병능실현구물、소비、취현등공능위주요판단표준。편령형신용잡사편죄여모용형신용잡사편죄적주요구분표준재우신용잡시부위은행합법발방。“사용”신용잡시지이능구실현진실신용잡적공능、용도적방식여이이용적행위。모용형신용잡사편죄중적“신용잡”통상응당시진실、유효적신용잡。투지형신용잡사편죄적주체불부포괄합법지잡인，환응당포괄경합법지잡인수권사용해잡적기타인。“이비법점유위목적”시인정투지형신용잡사편죄중응여증명적주관요건。
The identiifcation of the forged credit cards should be based on whether it contains false information and can be used for shopping, spending, cashing and other functions. The main discriminating criterion between the fraud of cheating credit cards and the fraud of fraudulent-use of credit cards is whether the credit card has a legitimate grant."Use"refers to the behaviors which can achieve the functions of a real credit card. In the fraud of fraudulent-use of credit cards, the"credit card"should normally be genuine and valid. The subjects of the fraud of"overdraft credit cards"not only include legal claimants, but also include other persons authorized to use the cards. In this type, the purpose of the illegal possession is a subjective element to be proven.