信用卡诈骗罪若干问题研究

发布时间：2018-04-13 05:10

本文选题：信用卡 + 信用卡信息资料　；参考：《四川大学》2006年硕士论文

【摘要】：信用卡在我们的日常生活中扮演着越来越重要的角色，伴随着信用卡的广泛使用，信用卡诈骗犯罪也呈现出多发的态势。我国1997年刑法典第196条规定的信用卡诈骗罪对信用卡诈骗犯罪进行了有效的规制，但刑法学界对此罪的诸多方面仍存在争议。本文主要论述了信用卡诈骗罪的若干疑难问题并提出了完善信用卡诈骗罪的一些立法建议。全文由引言、正文(五章)、结语组成。第一章论述作为“信用卡诈骗罪”犯罪工具的“信用卡”的涵义。金融法规上的信用卡的涵义经历了一个从广义到狭义的变化过程，按照金融法规的规定，，银行卡包括信用卡和借记卡，信用卡是与借记卡相并列的概念。刑法上所指的信用卡不同于金融法规的信用卡涵义，在刑法层面，信用卡包括借记卡，使用借记卡进行的诈骗犯罪应当以信用卡诈骗罪论处。第二章论述信用卡诈骗罪的五种法定行为表现。主要探讨了在认定信用卡诈骗罪的五种法定行为表现的构成中容易引起分歧的问题，例如对非法复制他人的信用卡并使用行为的认定、对“虚假的身份证明”的理解、对使用骗领的借记卡的行为的处断、对冒用他人信用卡及密码在ATM机器上提取现金行为的定性、对恶意透支构成的理解等等问题。第三章论述信用卡诈骗罪的主观目的。刑法明文规定认定恶意透支须以非法占有为目的，而没有明确规定其他类型信用卡诈骗行为的目的，这种罪状表述引起学界争议。在这一章里，主要论述了“非法占有的目的”是认定信用卡诈骗罪的必备要件。第四章探讨信用卡诈骗罪司法认定方面的问题。论述了对单位卡持卡人擅自
[Abstract]:Credit card plays a more and more important role in our daily life.The crime of credit card fraud stipulated in Article 196 of the 1997 Criminal Code of our country has effectively regulated the crime of credit card fraud, but there are still disputes in many aspects of the crime in the field of criminal law.This paper mainly discusses some difficult problems of the crime of credit card fraud and puts forward some legislative suggestions to perfect the crime of credit card fraud.The full text consists of introduction, text (five chapters, conclusion).The first chapter discusses the meaning of credit card as a crime instrument of credit card fraud.The meaning of credit card in financial law has gone through a process from broad sense to narrow sense. According to the regulation of financial law, bank card includes credit card and debit card, and credit card is a concept juxtaposed with debit card.The credit card referred to in the criminal law is different from the credit card meaning of the financial regulation. In the criminal law, the credit card includes debit card, and the crime of fraud by using debit card should be treated as the crime of credit card fraud.The second chapter discusses five legal behaviors of credit card fraud.This paper mainly discusses the problems that are easy to cause differences in the composition of five legal acts of credit card fraud, such as the identification of illegal copying and using of other people's credit cards, the understanding of "false identity proof".Some problems such as the behavior of using fraudulent debit cards, the nature of fraudulent use of other people's credit cards and passwords to extract cash from ATM machines, the understanding of malicious overdraft and so on are discussed.The third chapter discusses the subjective purpose of credit card fraud.The criminal law explicitly stipulates that malicious overdraft should be determined for the purpose of illegal possession, but does not clearly specify the purpose of other types of credit card fraud, which has aroused controversy in academic circles.In this chapter, the author mainly discusses that "the purpose of illegal possession" is the essential element to identify the crime of credit card fraud.The fourth chapter discusses the problem of judicial cognizance of the crime of credit card fraud.This paper discusses the unauthorized use of the unit card holder.
【学位授予单位】：四川大学
【学位级别】：硕士
【学位授予年份】：2006
【分类号】：D924.3

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