“恶意透支”型信用卡诈骗罪司法实务若干问题研究

发布时间：2018-04-30 10:50

本文选题：信用卡诈骗 + 恶意透支　；参考：《山东大学》2014年硕士论文

【摘要】：“恶意透支”型信用卡诈骗罪是我国刑法第196条第二款规定的信用卡诈骗罪的其中一种类型,近年来恶意透支型信用卡诈骗犯罪的发案率逐年上升,在破坏了国家金融管理制度的同时也给金融机构造成巨大的财产损失,相关的司法解释虽然对其做了较为详细的规定,但司法实务中对恶意透支型信用卡诈骗罪的各个构成要件在事实认定和法律适用方面均存在着很多的争议,需要对其研究,做出符合刑法精神的解读。本文以我国刑法及相关的法律法规、司法解释为依据,采用实证研究的方法,结合笔者的工作实践,对恶意透支型信用卡诈骗罪的犯罪构成及具体表现形式进行了详细的论述,对司法实务中存在的犯罪主体认定,犯罪主观故意的认定以及银行催收方式的有效性和恶意透支犯罪数额的认定等方面存在的争议问题进行了深入的分析论证,并提出了自己的看法,力图对司法实务中该类案件的办理起到指导作用。在文章的最后,针对我国的立法和司法实务现状提出建议,希望提高入罪标准,将单位作为犯罪主体,把恶意透支型信用卡诈骗罪在刑法中单列罪名；建立和完善我国的个人信用征信系统,提高公民对信用记录的珍视程度,规范银行自身的制度建设；同时还对司法实务中该类案件的办理原则提出合理化建议,将宽严相济的刑事政策贯彻于案件办理的过程,发挥刑法打击犯罪、预防犯罪的价值,遏制此类案件的多发趋势,维护好我国的金融管理制度,促进我国社会主义市场经济健康发展。
[Abstract]:The crime of "malicious overdraft" credit card fraud is one of the crimes of credit card fraud stipulated in the second paragraph of Article 196 of our country's Criminal Law. In recent years, the incidence rate of malicious overdraft credit card fraud has been increasing year by year. While undermining the national financial management system, it has also caused huge property losses to financial institutions. Although the relevant judicial interpretations have made more detailed provisions on it, However, in judicial practice, there are a lot of disputes about the elements of malicious overdraft credit card fraud in fact identification and application of law, which need to be studied and interpreted in accordance with the spirit of criminal law. Based on the criminal law and related laws and regulations of our country, the judicial interpretation, the method of empirical research and the author's work practice, this paper discusses in detail the criminal constitution and concrete manifestation of the crime of malicious overdraft credit card fraud. This paper makes a deep analysis and demonstration on the problems existing in the judicial practice, such as the identification of the subject of the crime, the subjective intention of the crime, the validity of the bank collection method and the determination of the malicious overdraft amount, and so on. The author puts forward his own views and tries to guide the handling of this kind of cases in judicial practice. At the end of the article, in view of the current situation of legislation and judicial practice in our country, the author puts forward some suggestions, hoping to raise the standard of incrimination, take the unit as the subject of the crime, and list the crime of malicious overdraft credit card fraud in the criminal law separately. To establish and perfect the personal credit information system of our country, to increase the value of the credit record of the citizens, to standardize the system construction of the bank itself, and at the same time to put forward some reasonable suggestions on the handling principle of this kind of case in the judicial practice, To carry out the criminal policy of combining leniency with severity in the course of handling cases, to give play to the value of criminal law in cracking down on crime, to prevent crime, to curb the tendency of the occurrence of such cases, and to safeguard the financial management system of our country. We will promote the healthy development of our socialist market economy.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D924.3

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