滥用银行卡行为的刑法规制研究

发布时间：2018-04-08 18:34

本文选题：银行卡法律关系　切入点：滥用本人银行卡　出处：《云南警官学院学报》2016年02期

【摘要】：在滥用银行卡犯罪的刑法适用上,必须梳理银行卡法律关系中的刑法要素,并明确相似罪名的界限。在存款的占有判断中,刑法应以行为人对他人钱款的控制关系为标准;根据法律拟制的立法技术,ATM机可以构成诈骗类犯罪的对象;在特约商户和持卡人共谋恶意透支时,其业务已脱离"中立行为"的范畴,而构成可罚的共犯行为。在滥用本人银行卡中,利用柜员机故障恶意取款的,应构成侵占罪;存入假币换取真币的,或者擅自挂失提取本人银行卡中他人钱款的,应构成诈骗罪。在滥用他人银行卡中,捡拾他人银行卡并使用的,构成信用卡诈骗罪;利用他人遗忘在ATM机中银行卡取款的,构成盗窃罪;诈骗银行卡并使用的,应根据受害人是否具有处分卡内钱款的意思,分别认定为诈骗罪或信用卡诈骗罪。
[Abstract]:In the application of criminal law for the abuse of bank card, it is necessary to sort out the elements of criminal law in the legal relationship of bank card and clarify the limits of similar charges.Its business is out of the category of "neutral act" and constitutes a punishable accomplice.In the abuse of my bank card, maliciously withdrawing money by using a teller machine failure shall constitute a crime of embezzlement; if a counterfeit coin is deposited in exchange for real money, or if you report without authorization the withdrawal of other people's money from your bank card, it shall constitute a crime of fraud.In the misuse of other people's bank cards, picking up other people's bank cards and using them constitutes a crime of credit card fraud; using others to forget to withdraw money from a bank card in an ATM machine constitutes a crime of theft; and defrauding the bank card and using it,The victim should be identified as fraud or credit card fraud according to whether the victim has the intention to dispose of the money in the card.
【作者单位】：华东政法大学;
【基金】：上海市教委085专项资金资助华东政法大学2016年度研究生学术创新项目“民刑交叉案件的法律适用原理研究”(项目编号:2016-4-006)阶段性成果
【分类号】：D924.3

【相似文献】