挂失并取走自己出借银行卡内钱款行为的刑事法律定性——以法律关系的分析为路径

借卡人与名义持卡人之间存在事实行为形成的债权债务关系;名义持卡人与银行之间存在法律行为所形成的债权债务关系;借卡人与银行之间不存在影响行为定性评价的法律关系。所以,挂失并取走他人存在借用本人银行卡内钱款的行为在民法层面,只是不履行债务行为的一种,并且这种不履行完全属于当事人意志之外的不履行,因此缺乏对该种行为进行刑法规制的必要性。

Criminal Legal Nature of Reporting Loss and Taking Back the Money from the Lending Bank Card Money- In View of Analysis of the Legal Relationship

The relationship between the card lender and the cardholder in name is the debt relations on the factual behavior; the relationship between the cardholder in name and the bank is the rights debt relations on the legal behavior; there is no legal relationship affecting behavior qualitative evaluation between the card lender and the bank. So, reporting the loss and taking back the money from the bank card lender is behavior in the civil law level, is a kind of default behavior, and this is not to fulfill completely belongs to the party fails to perform the will, so it is short Key of the necessity in criminal law regulation for this kind of behavior.