文档介绍：恶意透支信用卡目录一、恶意透支信用卡的界定„„„„„„„„„„„„„„„„„„„„„„„„1二、恶意透支信用卡犯罪行为的具体表现„„„„„„„„„„„„„„„„„„2(一)“黑卡”透支„„„„„„„„„„„„„„„„„„„„„„„„„„„2(二)“骗卡型”透支„„„„„„„„„„„„„„„„„„„„„„„„„„2(三)“私相接受型”透支„„„„„„„„„„„„„„„„„„„„„„„„3(四)“积少成多型”透支„„„„„„„„„„„„„„„„„„„„„„„„4三、消除恶意透支信用卡犯罪行为的对策„„„„„„„„„„„„„„„„„„4(一)建议银行工作人员的第二次催缴交由法院发出„„„„„„„„„„„„„4(二)加大信用卡发卡银行的责任„„„„„„„„„„„„„„„„„„„„„4(三)规定免于起诉恶意透支人的情况„„„„„„„„„„„„„„„„„„„5(四)发卡行必须尽到明确的提示义务„„„„„„„„„„„„„„„„„„„5(五)银行应该加强自身的管理„„„„„„„„„„„„„„„„„„„„„„5(六)明确单位可以成恶意透支信用卡犯罪的主体„„„„„„„„„„„„„„5(七)将“恶意透支”行为与信用卡诈骗罪分开,单独设立“恶意透支”犯罪或滥用信用卡犯罪„„„„„„„„„„„„„„„„„„„„„„„„„6参考文献„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„7Table"asguidingideology,conscientiouslyimplementtheparty'mittee,mittee,mittee,twosessionofthefiveplenarymeetingspirit,fullyimplementtheScientificOutlookonDevelopmentbasedXXyouth浅析恶意透支信用卡犯罪的表现及对策摘要:在我国刑法中,恶意透支是信用卡诈骗罪的常见表现方式之一。其特殊之处在于恶意透支:主观上有非法占有目的,客观上须具备超过规定的额度、期限、经发卡银行催收后仍不归还、数额较大这三要件。具体表现六种:“骗卡型”透支、“黑卡”透支、“积少成多型”透支、“私相授受型”透支、“交叉投保型”透支、“拆东墙补西墙型”透支。唯有明确特殊之处和具体表现,才能完善对恶意透支型信用卡诈骗犯罪的立法。恶意透支诈骗犯罪已经成为信用卡业务面对的一种严重风险,而且作为信用卡犯罪的一种,其特征相对其他信用卡犯罪有特殊之处,准确界定和理解恶意透支,对司法实践和犯罪构成理论都有积极的意义。本文拟对恶意透支信用卡犯罪的表现及立法完善做一些探讨。关键词:恶意透支信用卡犯罪表现对策信用卡诈骗犯罪中,恶意透支是最常见的一种,它不但破坏了金融秩序,而且直接侵害了发卡人的合法利益。根据现行刑法及司法解释对恶意透支犯罪行为的规定,构成恶意透支犯罪,主观上必须以非法占有目的为要件,客观方面必须有超过规定限额或者规定期限透支,并且经发卡银行催收后仍不归还,数额较大的行为。规定限额和规定期限的认定应当以发卡机构与持卡人之间的约定为标准,“催收不还”不应成为认定恶意透支的必备要件,对于透支后逃避追查的持卡人,在认定其恶意透支时可单独定罪。据不完全统计,我国每年因恶意透支而损失的财产达数十亿元。恶意透支诈骗犯罪已经成为信用卡业务面对的一种严重风险,而且作为信用卡犯罪的一种,其特征相对其他信用卡犯罪有特殊之处,准确界定和理解恶意透支,对司法实践和犯罪构成理论都有积极的意义。本文拟对恶意透支信用卡犯罪的表现及立法完善做一些探讨。一、恶意透支信用卡的界定所谓信用卡透支,是指持卡人在发卡行账户上已经没有资金或者资金不足的情况下,根据发卡协议或者经银行批准,允许其超过现有资金额度支取现金或者持卡消费的行为。透支实质上是银行为客户提供的短期信贷,透支功能也是信用卡区别与其他金融凭证的最明显特征。信用卡透支建立在持卡人良好的资信基础上,因此,透支人仅限于合法持卡人,非合法持卡人利用所持信用卡进行透支的,不能认定为信用卡透支。透支可以分为善意透支和恶意透支。透支实质上是银行为客户提供的短期信贷,mittee,twosessionofthefiveplenarymeetingspirit,fullyimplementtheScientificOutlookonDevelopmenhe15tttee,mittee,munistYouthLeagueXXLeagueinthefourthPlenarySessionoftsguidingideology,conscientiouslyimplementtheparty'miTable"a1他金融凭证的最明显特征。区分善意透支和恶意透支的主要标准是看行为人主观上是否以非法占有为目的。有人认为,善意透支可分为完