CAJ | 학술논문

恶意透支有一般违法型恶意透支和犯罪型恶意透支，我国刑法规制的是犯罪型恶意透支。在各种类型的恶意透支中，积少成多型和骗领信用卡型是两种最基本的表现形式。刑法规制的恶意透支主体不仅仅限定为自然人，还应包括单位。恶意透支行为是恶意透支犯罪的客观方面，刑法对于恶意透支行为作了法定解释，但如何认定恶意透支行为，对恶意透支犯罪行为的刑法规制采用何种立法例更适宜等问题的探讨，具有重要的现实意义。
악의투지유일반위법형악의투지화범죄형악의투지，아국형법규제적시범죄형악의투지。재각충류형적악의투지중，적소성다형화편령신용잡형시량충최기본적표현형식。형법규제적악의투지주체불부부한정위자연인，환응포괄단위。악의투지행위시악의투지범죄적객관방면，형법대우악의투지행위작료법정해석，단여하인정악의투지행위，대악의투지범죄행위적형법규제채용하충입법례경괄의등문제적탐토，구유중요적현실의의。
There is a type of general illegal law and a type of crime in malicious overdraft, our criminal law system are regulated the type of crime. The type of adding up and the type of gain credit cardby cheating are the two basic forms in Various types of malicious overdraft . Malicious criminal law system is not limited to the main advances of natural persons, should also include units. Malicious overdraft behavior is the objective aspect of malicious overdraft crime, and criminal law give the malicious overdraft behavior a statutory interpretation. It is worth exploring that how to confirmed the overdraftmalicious behavior and which cases could be adopted to regulation it by the legislative system more suitable.