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近年来,恶意透支案件成为了信用卡诈骗犯罪的主流,在学理研究和司法实践中,一方面是对此类案件立法合理性的诸多疑问,另一方面是对法律适用和问题认定的现实争议。本文试图从现有的法律条文、司法解释和真实案例出发,对恶意透支涉及的“以非法占有为目的”的认定问题,特别是其中关于“两次催收不还”与“非法占有目的”的关系问题进行简要分析,旨在立足现有法律框架为解决部分实务困惑提供一些思路。
In recent years, the malicious overdraft case has become the mainstream of credit card fraud crime. In academic research and judicial practice, on the one hand, many questions about the legislative rationality of such cases, on the other hand, it is a real controversy over the application of law and problems. This article attempts to proceed from the existing legal provisions, judicial interpretations and real cases, to identify the problems involved in malicious overdraft for the purpose of “illegally occupying”, in particular, Purpose of illegal possession ", and aims to provide some ideas based on the existing legal framework to solve part of the practical puzzles.