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刑法所保护的存款占有,一是银行的实际占有,二是持卡人法律上的占有,此外并无其他受刑法保护的存款占有权利。占有银行卡及密码,虽然对存款权利的行使非常重要,但只是具有支配和控制存款的可能性,不改变银行实际占有存款和持卡人在法律上占有存款的状况。持卡人利用存款权利人的身份申领新的银行卡,重新确立存款实际支配地位的行为,没有“转移占有”存款的行为,并不侵害租赁或者借用账户存款的第三人的占有,不构成盗窃罪。
The deposits protected by the Criminal Law occupy the actual possession of banks. The second is the legal possession of cardholders. In addition, there are no other deposit-taking rights protected by criminal law. The possession of bank cards and passwords, while very important for the exercise of deposit rights, only has the potential to govern and control deposits without changing the actual bank deposits and the legal possession of deposits by cardholders. Holders of the depositary’s right to use the identity card to apply for a new bank card to re-establish the actual dominance of the deposit, there is no “transfer of possession” of the deposit, does not infringe the lease or borrowing account for the possession of a third person , Does not constitute a theft.