恶意透支型信用卡诈骗罪的认定问题

随着信用卡透支功能在社会生活和经济活动中的广泛使用,信用卡业务的风险也与日俱增,持卡人恶意透支的现象层出不穷,严重侵犯了公私财产安全,扰乱了市场金融秩序。文章依据最高人民法院、最高人民检察院颁布的《关于办理妨害信用卡管理刑事案件具体应用法律若干问题的解释》（以下简称《解释》）,分析该罪在认定过程中的＂非法占有目的＂、＂经银行催收仍不还＂和数额认定等问题。

Issues on Malicious Overdrawing of Credit Cards

With the overdrawing function of credit cards being used more and more frequently in social economic activities,the risks of the credit card business also become higher.Malicious overdrawing of credit cards by cardholders becomes very common and severely violates the safety of public and private properties and the order of financial market.In December 3,2009,the Supreme People’s Court and the Supreme People’s Procuratorate promulgated the Interpretation of the Application of Law on Crime of Disrupting the Management of Credit Cards("Interpretation"),setting out more specific criteria for the constitutive elements of malicious overdrawing of credit cards.This essay will discuss some issues in the determination of malicious overdrawing of credit cards from the perspective of this Interpretation.