ATM机作为现代金融工具,一方面减少了银行的人力成本,节约了社会资源,一方面为客户提供了方便快捷的服务,提高了工作效率,在经济生活中得到了广泛应用。随着经济和科技的快速发展,利用ATM机非法使用信用卡获得钱款的案例日趋增多,如许霆案这类疑难复杂案件,给学术理论探讨和司法实践带来了新的挑战。 As a modern financial instrument, ATM machines, on the one hand, reduce the manpower cost of banks and save social resources. On the one hand, ATM machines provide convenient and efficient services to customers, improve working efficiency and get extensive application in economic life. With the rapid development of economy and science and technology, there are more and more cases of using ATM machines to obtain credit money illegally. For instance, such complicated and complicated cases as Xu Ting have brought new challenges to academic theory discussion and judicial practice.