【摘要】 当前涉电信网络诈骗犯罪掐卡侵财行为定性争议较大。究其根本，该类行为是财产犯罪的变体。存款含义不明且判断存款占有的标准混乱，导致财产犯罪基本问题尚不明确；对电信网络诈骗犯罪链条的误读不仅影响对电诈犯罪所得归属的判断，还影响对违法性的理解。在澄清财产性利益事实占有原理的基础上，应将存款债权作为犯罪对象，坚持银行占有说。在该类案件中，行为人通过掐卡破坏并转移了实际用卡人对存款债权的事实性的占有，应构成盗窃罪。更多还原

【Abstract】 At present, there is a lot of controversy over the identification of property infringement by cutting off the card related to telecommunications network fraud crimes. Fundamentally, this type of behavior is a variant of property crime.The meaning of deposits is unknown and the criteria for judging the possession of deposits are confused, resulting in the basic problem of property crime is not clear. And the misreading of the criminal chain of telecommunications network fraud not only affects the judgment of the attribution of the proceeds of wire fraud crimes, but also affects the understanding of illegality.On the basis of clarifying the principle of factual possession of property interests, deposit claims should be regarded as the object of crime, and the principle of bank possession should be adhered to.In such cases, the perpetrator destroys and transfers the factual possession of the deposit claims by the actual card user by cutting off the card, which shall constitute a crime of theft.更多还原