违约责任与刑事责任的界限分析——以透支型信用卡诈骗为例

摘要

违约责任和刑事责任在功能、构成要件和责任形态方面均存在区别，违约行为与犯罪行为之间是有界限的，不容混淆。信用卡持卡人与银行之间是借款合同关系，持卡人透支信用卡应承担相应的违约责任；信用卡透支行为承担刑事责任过于严厉，缺乏公正性，不宜入罪。%This paper analyzes the breach of contract and criminal liability in the function and responsi-bilities of the constituent elements of different morphology. There is a boundary between breach of contract and criminal behavior,which should not be confused. The bank and credit card user has loan contract rela-tionship. Overdraft credit cardholders should bear the corresponding liability for breach,Criminal liability for credit card overdraft is too hard,and lack of impartiality,it should not be convicted.