本罪与侵犯国家秘密犯罪、假冒专利罪的主要区别在于犯罪对象不同，但两者也存在竞合。
This crime differs from the crimes of invading secret and counterfeiting patent in the object of the crime. But concurrence still exists.
存在合同关系时，通常还有责任竞合的问题，消费者可选择其一提起违约之诉或侵权之诉。
The existence of a contractual relationship companions with issues of liability cross, consumers may choose one of contact breach or tort to bring to the court.
存款作为存款人与银行利益最大化目的之竞合结果，对于二者具有同样重要的意义。
As the concurrence result of depositors' and Banks' maximized purpose, deposit account is of the same importance to both of them.
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