试论信用卡透支行为入罪的正当化——从刑罚谦抑性方面考量

信用卡已成为百姓日常生活中常用的支付凭证,由于其透支功能以及便捷性,利用信用卡透支的持卡人也越来越多,但是2009年最高人民法院、最高人民检察院《关于办理妨害信用卡管理刑事案件具体应用法律若干问题的解释》出台后,因信用卡透支而身陷囹圄的案件不断攀升,由此有必要就信用卡透支刑法规制进行探讨,以减少实践中因信用卡透支行为引发的刑罚,保证刑罚的谦抑性,实现刑罚的效益。

Justification of the Convicted Overdrafting the Credit Card

Credit cards have become payment instruments that are used in everyday life,because of its functionality of overdraft and convenience.The overdrafting holders have become more and more.But since the credit card criminal law applicable to judicial interpretation in 2009,we have seen rising cases of credit card overdraft and the imprisoned,thus it is necessary to discuss about credit card cash advance on Criminal Law to reduce the practice of random acts of credit card overdraft penalty triggered to ensure t...