出借信用卡后擅取存款行为的法律评析

摘要

Implementation of the use of credit card crime is more common in recent years. In the view of civil law,arrogate deposit of the perpetrator after borrowing credit card is unjust enrichment, because it＇s not appropriate for the price paid. In this case,if the perpetrator who has the ability to pay back the amount refuses to return the property, the behavior in the criminal law should be recognized as crimes. The second mode of thinking and methods of criminal law contribute to the difficult criminal cases to make the right judgments, they should be encouraged in judicial practice.%利用信用卡实施犯罪活动是近些年来较为常见的犯罪样态。行为人出借信用卡后擅取存款的行为,从民法上看,由于其没有支付相应对价,实质上属于不当得利。在此情形下,如行为人有能力返回而拒绝返还该财产,则在刑法上应当认定为侵占罪。运用刑民二次违法的思维模式和分析方法,有助于对疑难刑事案件做出正确判断,在司法实践中值得提倡。