商户使用POS机等进行信用卡套现的刑法适用研究

发布时间：2018-02-24 01:17

本文关键词： 商户信用卡套现非法经营罪妨害信用卡管理罪　出处：《广西民族大学》2016年硕士论文　论文类型：学位论文

【摘要】：伴随着我国信用卡产业的高速发展,商户使用POS机等进行信用卡套现也呈蔓延之势。信用卡套现危害了我国信用卡管理制度,给金融机构带来了严重的经济损失,威胁我国金融管理秩序的稳定和健康。2009年12月,最高人民法院和最高人民检察院联合下发了《关于办理妨害信用卡管理刑事案件具体应用法律若干问题的解释》,对商户使用POS机等进行信用卡套现的刑法适用做出规定。该解释虽然在司法实践中弥补了商户套现行为的刑法空白,但由于商户套现行为的特殊性和复杂性,在刑法适用中还存在较大的争议。本文进一步厘清信用卡套现的概念、原理和形式,对商户使用POS机等进行信用卡套现的罪名认定进行了剖析,认为该行为不符合非法经营罪的构成要件,应当认定为妨害信用卡管理罪,在此基础上,对商户使用POS机等进行套现刑法适用的四类疑难问题进行分析,并指出了我国对于商户使用POS机等进行套现刑法适用存在的问题,最后笔者提出了完善建议,以期为刑法正确适用理清思路,为司法实践提供理论依据,从而有效预防和打击信用卡套现,保障国家正常金融秩序。
[Abstract]:With the rapid development of credit card industry in our country, the credit card cash using POS machine is also spreading. Credit card cash has harmed the credit card management system of our country and brought serious economic losses to financial institutions. Threatening the stability and health of China's financial management order. December 2009, The Supreme people's Court and the Supreme people's Procuratorate jointly issued the explanation on the specific Application of the Law in handling Criminal cases against Credit Card Administration, so as to apply the criminal law to merchants using POS machines for credit card cash. This interpretation, although in judicial practice, has made up for the gap in the criminal law concerning the act of cash collection by merchants, However, due to the particularity and complexity of the behavior of merchant cash, there is still a great dispute in the application of criminal law. This paper further clarifies the concept, principle and form of credit card cash. This paper analyzes on the identification of the charges of using the POS machine to cash out the credit card, and thinks that the behavior does not conform to the constitutive requirements of the crime of illegal operation, and should be regarded as the crime of impairing the management of the credit card, and on this basis, This paper analyzes on the four kinds of difficult problems in the application of the criminal law of cash by using the POS machine, and points out the problems existing in the application of the criminal law for the merchants to use the POS machine in our country. Finally, the author puts forward some suggestions to improve the application of the criminal law. In order to correctly apply the criminal law clear train of thought, for judicial practice to provide theoretical basis, so as to effectively prevent and crack down on credit card cash, to protect the normal financial order of the country.
【学位授予单位】：广西民族大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D924.3

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