支付机构挪用客户备付金犯罪问题研究

发布时间：2018-02-22 00:51

  本文关键词： 支付机构 挪用客户备付金 背信运用受托财产罪 违法运用资金罪　出处：《西部金融》2016年08期 　论文类型：期刊论文

【摘要】：支付机构违规挪用客户备付金造成资金链断裂,涉及人数多、金额大、范围广、社会危害大,其行为模式与《刑法》"背信运用受托财产罪"、"违法运用资金罪"罪状相符。但由于支付机构性质特殊、监管规定层级较低、犯罪意志和犯罪手段难以查明,无法定罪处罚。本文围绕支付机构挪用客户备付金的行为模式,分析适用背信类罪名处罚的难点,并提出了对策建议。
[Abstract]:The illegal embezzlement of customer's reserve funds by payment institutions causes a breakage of the capital chain, involving a large number of people, a large amount of money, a wide range of funds, and great social harm. Its behavior pattern is consistent with the criminal law "the crime of using fiduciary property" and the "crime of illegally using funds". However, due to the special nature of the payment institution and the lower level of supervision regulations, it is difficult to find out the criminal will and means. This paper focuses on the behavior pattern of embezzlement of customer's reserve funds by payment institutions, analyzes the difficulties of applying the punishment of breach of trust charges, and puts forward some countermeasures and suggestions.
【作者单位】： 中国人民银行扬州市中心支行;江西省公安厅经侦总队;
【分类号】：D924.3
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本文编号：1523263