商户利用POS机,为持有伪造银行卡的用户虚构交易、套取金融机构现金的行为应该如何定性问题?有观点认为不构成犯罪,属民事侵权,按民事侵权纠纷案处理;有观点认为构成信用卡诈骗罪(共犯);也有观点认为构成非法经营罪,文章结合具体案例进行简要分析。 How can merchants use POS machines to create fictitious transactions for users who fake bank cards? How should the behavior of collecting cash in financial institutions be qualitative? There is a view that it does not constitute a crime and is a civil infringement and is handled according to a civil-infringement dispute; Credit card fraud (accomplice); there are also views that constitute the crime of illegal business, the article combined with specific cases for a brief analysis.