恶意透支型信用卡诈骗罪若干构成要件要素的理解与认定

发布时间：2018-02-20 23:15

本文关键词： 恶意透支客观构成要件要素主观构成要件要素责任主体解释原理　出处：《华东政法大学》2014年硕士论文　论文类型：学位论文

【摘要】：作为依托于信用卡而实施的犯罪行为，恶意透支型信用卡诈骗因信用卡的迅速普及而呈现上升趋势，且犯罪手段具有多样性。与传统类型的信用卡诈骗方式不同，恶意透支可谓是信用卡诈骗罪中较为特殊的一种犯罪类型。虽然我国刑法和司法解释对恶意透支已经做了一定规定，，但在司法实务中依然对恶意透支型信用卡犯罪的认定还存在着较大争议，且问题较多，基于此，本文欲结合该类型犯罪所具有的特性和实务中出现的典型表现形式，从恶意透支型信用卡诈骗的犯罪构成要件角度着手分析，以期对恶意透支犯罪中争议性较大的方面能有一个相对合理的方案。本文共有三个部分，主要内容如下：第一部分为恶意透支型信用卡诈骗罪客观构成要件要素的理解与认定；第二部分为恶意透支型信用卡诈骗罪主观构成要件要素的理解与认定；第三部分为恶意透支型信用卡诈骗罪主体要素的理解与认定。本文第一部分恶意透支型信用卡诈骗罪客观构成要件要素的理解与认定，首先分析了“催收”的有效性、时间间隔、形式要求及小额还款对于催收效力的影响等问题；其次分析了“透支数额”的相关问题，包括透支数额排除利息、多张信用卡透支数额的累计、分期付款不应纳入透支数额内。本文第二部分恶意透支型信用卡诈骗罪的主观构成要件要素的理解与认定，先从分析“非法占有目的”与“催收不还”的关系入手，表明“催收不还”只是确定“非法占有目的”的部分因素而非全部；然后结合司法解释对认定“非法占有目的”的具体规定，分析讨论了认定“非法占有目的”中具有争议的一些情形。本文第三部分恶意透支型信用卡诈骗罪主体要素的理解与认定，分为“单位能否构成恶意透支的主体”和“持卡人的理解与认定”，前者讨论的是恶意透支主体与单位的关系，建议立法增加单位成立恶意透支的主体；后者讨论的是持卡人与实际用卡人分离时的持卡人的具体认定问题，单独犯罪情形下，无论持卡人是否知情，实际用卡人都不具有恶意透支的主体资格。
[Abstract]:As a crime based on credit card , malicious overdraft type credit card fraud presents an upward trend due to the rapid popularization of credit card , and the method of crime has diversity . It is different from the traditional type of credit card fraud . This thesis consists of three parts , the first part is the understanding and recognition of the elements of the objective constitutive elements of the malicious overdraft type credit card fraud crime , the second part is the understanding and identification of the elements of the subjective element of the malicious overdraft type credit card fraud crime , and the third part is the understanding and identification of the main elements of the malicious overdraft type credit card fraud . This article analyzes the validity , time interval , form requirement and the effect of micro repayment on the effect of collection effectiveness . Secondly , it analyzes the related problems of " overdraft amount " , including the accumulation of overdraft amount excluding interest and the overdraft amount of multiple credit cards , and the installment payment should not be included in overdraft amount . This paper starts with the relationship between " illegal occupation " and " non - illegal occupation " by analyzing the relationship between " illegal occupation " and " non - illegal occupation " . The third part of this paper is the understanding and recognition of the main elements of malicious overdraft type credit card fraud , which is divided into " whether the entity can make up the main body of malicious overdraft " and " the understanding and identification of the cardholder " , the former discusses the relationship between the main body and the unit of malicious overdraft , and suggests that the legislative increase unit establish the main body of malicious overdraft ; the latter discusses the specific identification problem of the cardholder when the cardholder is separated from the actual card person , and whether the cardholder is informed or not is the subject qualification of malicious overdraft under the circumstances of individual crime .

【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D924.3

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