对于存款名义人挂失领取实际存款人钱款的行为的认定涉及存款占有状态的归属和财产犯罪与不当得利的关系两个问题。本文认为由于银行卡已实际处于存款名义人的控制之下,所以根据行为的具体表现以侵占罪认定较为妥当。 The cognizance of the behavior that the nominal holder of a deposit reports the actual amount of the depositor ’s money involves the relationship between the ownership of the deposit’ s possession status and the relationship between property crime and unjust enrichment. This paper argues that since the bank card is actually under the control of the nominal person of the deposit, it is more appropriate to recognize the crime of embezzlement according to the specific performance of the bank.