恶意透支型信用卡诈骗的司法认定——兼评信用卡恶意透支行为最新司法解释

正确认定恶意透支，要注意以下问题：超额超期透支的理解、发卡行催收行为的界定、恶意透支的数额标准、恶意透支主体的确定及“非法占有为目的”的表现等。最新相关司法解释细化了恶意透支行为的认定标准，在诸多要素上有了新的规定，但在数额标准等方面也带来了一些新的问题，值得进一步讨论。

Judicial Recognition of Credit Card Fraud of Malicious Overdraft:Comments on the Latest Judicial Interpretation

Correct recognition of credit card fraud of malicious overdraft involves the understanding of overdraft and overdue credit card, definition of the issuing bank＇s collection, amount standard of malicious overdraft, subject identification and the fact of ＂for illegal possession＂. With a number of new stipulations made, the latest judicial interpretation gives us more details concerning the recognition standard, but it also brings about some new worthy-of-further-discussion problems in terms of amount standard.