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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”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可以公告催收;应规定单位可以成为恶意透支犯罪行为的主体;恶意透支犯罪行为不同于其他类型的信用卡诈骗行为,对恶意透支犯罪行为可单独定罪。
According to the current criminal law and judicial interpretation of the malicious overdraft criminal acts, constitutes a malicious overdraft crime, the subjective must be the purpose of illegal possession as an element; the objective aspects must have over the prescribed limit or overdraft prescribed period, and after collection by the issuing bank does not return , A larger amount of behavior. “The provisions of the limit and the prescribed period ” should be determined by the agreement between the issuing institution and the cardholder as a standard; “Collection does not return ” should become an essential requirement for the identification of malicious overdraft, to evade tracing after overdrafting The cardholder may make a public announcement of the collection; the entity should be allowed to become the subject of a malicious overdraft; the criminal act of malicious overdraft differs from other types of credit card fraud in that criminalization of malicious overdraft can be separately criminalized.