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目前我国《刑法》中关于恶意透支犯罪的规定存在着诸多问题,如混淆了欺诈型与滥用型犯罪,非法占有目的难以认定,超过规定限额的设置存在问题,过于重刑化,缺乏单位犯罪的规定等。本文拟对恶意透支犯罪立法存在的问题进行评述,并结合我国立法背景及参考境外立法,提出完善信用卡恶意透支犯罪立法的几点构想,即将恶意透支独立成罪,取消非法占有目的,取消无期徒刑的刑罚,增设单位犯罪。
At present, there are many problems in the Criminal Law of our country concerning the crime of malicious overdraft. For example, it is difficult to identify the purpose of illegal possession by confusing the fraudulent and abusive crimes. There is a problem with the setting of exceeding the prescribed limit, being over-heavy and lacking of unit crime Regulations and so on. This article intends to comment on the existing problems in the criminal legislation of malicious overdraft and puts forward some suggestions on how to improve the criminal legislation on malicious overdraft by combining the background of our legislation and the reference to the overseas legislation. The intention is to turn the malicious overdraft into a sin, cancel the purpose of illegal possession and cancel the life imprisonment Penalty, additional unit crime.