论信用卡诈骗罪

信用卡诈骗罪是指具有法定情形之一，进行信用卡诈骗活动，数额较大的行为。本罪主体只能是自然人，主观方面为直接故意，客观方面表现为《刑法》第１９６条规定的四种情形。其侵犯的客体是信用卡管理制度和公私财产所有权。认定本罪数额较大的标准，应以超过透支限额一定倍数为宜，对恶意透支、盗窃信用卡、使用变造的信用卡、使用涂改的信用卡等行为，应区别不同情况分别定性，并作立法完善。

On Crime of Fraud on Credit Card

Crime of fraud on credit card refers to the act with one of the legal circumstances, the act of committing fraud on credit card, and the amount of money in the fraud is relatively large. The subject of the crime can only be natural person. The subjectivity has actual intent and objectivity demonstrates the four ways provided in clause number 195 in Criminal Law. The object invaded is credit card administrative system and ownership of public or private property. The standard for determining the relatively large amount of money in the crime is that the amount has exceeded certain times of overdraft limit. As to malicious overdraft, theft of credit card, and using altered credit card, different situations should be defined differently and the relevant legislations should be perfected.