浅议恶意透支型信用卡诈骗认定中的若干问题

发布时间：2017-12-26 16:43

本文关键词：浅议恶意透支型信用卡诈骗认定中的若干问题　出处：《中央民族大学》2015年硕士论文　论文类型：学位论文

【摘要】：在经济飞速发展的今天,信用卡已经成为人们最重要的支付工具,人们越来越多的享受到信用卡透支功能带来便捷的同时,也同样遭受着因我国信用体系尚未完善所带来的不便。尤其在我国市场经济的转型和发展期,信用卡诈骗已经成为金融犯罪领域中案件数量最高的犯罪,其中恶意透支型信用卡诈骗犯罪又成为信用卡诈骗犯罪中最常见的类型。随着我国刑事法律的不断完善,对信用卡诈骗的法律规定也是越来越全面和细致,从1979年刑法无信用卡诈骗犯罪,到只将信用卡诈骗作为诈骗犯罪中的一个特殊形态,到1997年信用卡诈骗单独成罪,再到2009年恶意透支型信用卡诈骗的细化和完善,无不展现着我法律对金融犯罪的不断认识和对重视程度的不断提高。然而实践中对信用卡诈骗尤其是恶意透支型信用卡诈骗的司法认定仍存在一些分歧,这些分歧问题在法条中均没有明确的规定或虽有阐述但不够细致,导致对案件处理结果存在较大的差异。再加上现实社会中信用卡诈骗犯罪的新手段和方式层出不穷,不同案件的情况多种多样,为司法实践带来了更多的难题。该文试图结合司法实践中遇到的一些典型案例,对恶意透支型信用卡诈骗犯罪构成要件中的分歧问题作一些探讨,提出自己的观点,力图对完善恶意透支型信用卡诈骗犯罪立法提出有益建议,从而促进我国刑事法律的不断发展,对预防和惩治此类犯罪有所帮助。本文共分为五个部分：第一部分是恶意透支型信用卡诈骗的现状,分析了恶意透支的含义、成因及恶意透支型信用卡诈骗犯罪的特征；第二部分是恶意透支型信用卡诈骗的构成要件,主要从犯罪主体、主观方面、客体、客观方面进行阐述；第三部分是司法实践中出现的分歧问题,重点从持卡人、非法占有目的、二次催收、三个月不归还及恶意透支数额的认定方面分析分歧的不同观点以及笔者观点；第四部分是针对恶意透支型信用卡诈骗犯罪的治理对策及立法完善,主要提出预防恶意透支型信用卡诈骗的建议；第五部分是结语。
[Abstract]:Nowadays, with the rapid development of economy, credit card has become the most important payment tool for people. More and more people enjoy the convenience of credit card overdraft, but at the same time, they are also suffering from the inconvenience caused by the imperfect credit system in China. Especially in the transformation and development period of China's market economy, credit card fraud has become the highest number of crimes in the field of financial crime. Malicious overdraft credit card fraud has become the most common type of credit card fraud. With the continuous improvement of China's criminal law, the law of credit card fraud is becoming more and more comprehensive and meticulous, from the 1979 Criminal Law without the crime of credit card fraud, only to credit card fraud as a special form of the crime of fraud in credit card fraud in 1997, to a separate crime, to refine the 2009 malicious overdraft credit card fraud and improvement, all show my legal increasing awareness of financial crimes and to improve the degree of attention. However, in practice, there are still some differences between the credit card fraud, especially the malicious overdraft credit card fraud. These differences are not clearly stipulated in the articles, or they are not detailed enough, which lead to great differences in the case handling results. In addition, in the real society, there are many new ways and ways of credit card fraud. The situation of different cases is various, which brings more problems for judicial practice. This paper tries to combine with some typical cases encountered in judicial practice, do some research on malicious overdraft credit card fraud crime differences in the elements, put forward their own views, trying to put forward some useful suggestions to improve the malicious overdraft credit card fraud crime legislation, so as to promote the continuous development of China's criminal law, to prevent and punishing this kind of crime to help. This paper is divided into five parts: the first part is the present situation of malicious overdraft credit card fraud, analyzes the meaning, characteristics and causes of malicious overdraft credit card fraud crime of malicious overdraft; the second part is the malicious overdraft credit card fraud elements, which mainly expounds the subject of crime, subjective aspect, the object, the objective aspect; the third part is divided problems in the judicial practice, focus on the analysis of differences from the cognizance of the cardholder, the purpose of illegal possession, two collections, three months do not return and malicious overdraft amount of different views and viewpoints; the fourth part is the countermeasures to improve the governance and legislation of malicious overdraft credit card fraud crime, mainly puts forward the prevention of malicious overdraft credit card fraud; the fifth part is the conclusion.
【学位授予单位】：中央民族大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D924.3

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