恶意透支型信用卡诈骗司法认定中若干疑难问题探析

最高人民法院、最高人民检察院联合发布的《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》对恶意透支作出了进一步规定,并确定了经发卡银行两次催收后超过三个月仍不归还的限制条件。但在司法实践中,对于如何理解经发卡银行两次催收后超过三个月仍不归还、两次催收的认定、三个月的宽限期计算等问题仍存在争议,本文试对以上几个问题进行探讨。

Difficult Issues Concerning Judicial Determination of the Credit Card Fraud of Malicious Overdraft

The Interpretations on Issues Concerning the Concrete Application of Law in Handling Criminal Cases of Impairing Credit Card Management released by the Supreme People’s Court and the Supreme People’s Procuratorate further prescribes that restrictive conditions for the crime of malicious overdraft will be failure to repay the money one has overdrawn for over three months with the issuing bank’s two times of dunning.In judicial practice,however,there exist such controversial issues as how to understand the failure,how to determine the two times of dunning and how to calculate the three-month debt extension.These issues are discussed in the article.