对恶意透支型犯罪构成要件应予以完善。
The constituent essentials of malice overdrawn crime should be perfected.
第一，我不是故意恶意透支的，且是第一次发生这种情况。
First, I was not intentionally malicious overdraft, and is the first time this happens.
恶意透支不具有诈骗的实质，不宜定信用卡诈骗罪，有必要另立罪名。
Malicious overdraw without swindle essence may not be determined as credit CARDS crime of Swindling and it is necessary to create a new accusation.
但银行盲目地滥发卡却导致休眠卡、恶意透支与套现等金融风险的提高。
But the bank card has led blindly spamming dormant CARDS, cash and other malicious overdraft and increased financial risk.
由于持卡人恶意透支的行为已构成信用卡诈骗犯罪，担保人的还款行为只影响透支人量刑，不影响定罪。
Because the holder's behavior of overdrawing has constituted the vicious overdraw crime, the payment of guarantor can only influence the measurement of penalty.
本文通过实际数据阐述了恶意透支型信用卡诈骗罪在法律实务中出现的问题，并分析了相关原因，提出了相应对策。
This paper described the problems of malicious overdraft of credit card fraud by the actual data, and analyzed the related reasons, and put forward corresponding countermeasures.
由于持卡人挂失之时起24小时之后的风险损失由发卡银行承担，许多的遗失假冒风险到最后就演变成了恶意透支风险。
As holders accepted 24 hours after the time of the risk of loss borne by the card-issuing Banks, many of the risk of loss finally evolved into fake malicious overdraft risk.
本文通过对恶意透支的概念，非法占有目的的含义、功能、认定，催收不还的界定的具体理解的论述，提出许多新的观点，解决了许多悬而未决的问题。
This article discusses its concept, meaning of detinue, functionand, cognizance and helpless calling-up thus brings forward new ideas and solves pendent problems.
本文通过对恶意透支的概念，非法占有目的的含义、功能、认定，催收不还的界定的具体理解的论述，提出许多新的观点，解决了许多悬而未决的问题。
This article discusses its concept, meaning of detinue, functionand, cognizance and helpless calling-up thus brings forward new ideas and solves pendent problems.
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