This article discusses its concept, meaning of detinue, functionand, cognizance and helpless calling-up thus brings forward new ideas and solves pendent problems.

• 本文通过对恶意透支的概念,非法占有目的的含义、功能、认定,催收不还的界定的具体理解的论述,提出许多新的观点,解决了许多悬而未决的问题。