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在我国刑法中,恶意透支型信用卡诈骗罪与其他类型的信用卡诈骗罪存在明显的不同,表现在:恶意透支有不同于其他信用卡诈骗的“人卡”关系;恶意透支有不同于其他信用卡诈骗的主观构造;恶意透支有不同于其他信用卡诈骗的出入罪机制;恶意透支有不同于其他信用卡诈骗的既遂标准。所以,恶意透支归属于信用卡诈骗罪是不妥当的,有必要独立成罪。
In China’s criminal law, malicious overdraft credit card fraud and other types of credit card fraud there is a clear difference, manifested in: malicious overdraft credit card fraud is different from other “card” relationship; malicious overdraft credit card is different from other credit cards The subjective structure of fraud; malicious overdraft has different from other credit card fraud access mechanism; malicious overdraft has a different from other credit card fraud completed standards. Therefore, malicious overdraft credit card fraud belonging to the crime is inappropriate, it is necessary to sin.