信用卡诈骗罪中“冒用他人信用卡”的教义学阐释

发布时间：2018-03-26 07:40

  本文选题：信用卡诈骗罪　切入点：信用卡　出处：《西南政法大学学报》2017年05期

【摘要】：《刑法》第196条所规定的"冒用他人信用卡",是指行为人假冒合法持卡人的名义使用信用卡(含借记卡)的行为。其中的"信用卡"仅限于他人真实有效的信用卡,而不包括他人已经作废的信用卡。基于ATM机等机器的工作原理可知,机器在银行卡业务中实际上处于辅助者的地位,它反映并执行银行的意志,其本身虽然不能被骗,但行为人能够通过机器实现对银行工作人员的欺骗。对于"盗窃信用卡并使用"的行为,不应限定为仅对自然人使用,而应该包括对ATM机等机器使用。对于侵占、抢劫、抢夺、敲诈勒索他人信用卡后又使用的情形,应当按照牵连犯的处断原则,以其中较重的犯罪定罪处罚。行为人采用诈骗的方式取得他人信用卡,并采用诈骗的方式取得合法持卡人的同意或者授权,进而使用该信用卡的,其实质仍属于违背合法持卡人意志的"冒用"行为,应当认定为信用卡诈骗罪。
[Abstract]:< > 196th of the provisions of the criminal law "fraudulent use of credit cards," refers to the name of the legitimate cardholder behavior of counterfeit credit cards (including debit card) behavior. The "credit card" is only limited to others valid credit card, but not others have invalid credit card. The working principle of the ATM machine based on the machine in the bank card business is actually auxiliary status, and it reflects the implementation of the bank itself will, although not deceived, but the human behavior can be achieved on the bank staff to cheat by machine. For "stealing credit card and using" behavior should not be limited to the use of natural person only, but should include the use of ATM machine for embezzlement, robbery, robbery, blackmail and impose exactions on others credit card and use case, should be in accordance with the implicated offense, with the conviction of heavier criminal penalties. Behavior People use fraudulent ways to get other people's credit cards, and use fraudulent ways to get the consent or authorization of lawful cardholders. Then the use of the credit card is still a violation of lawful cardholder's will. It should be considered as a crime of credit card fraud.

【作者单位】： 西南政法大学法学院;
【分类号】：D924.3
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本文编号：1667016