恶意透支型信用卡诈骗罪问题研究

发布时间：2018-05-27 07:03

本文选题：恶意透支 + 信用卡诈骗　；参考：《中国政法大学》2014年硕士论文

【摘要】：社会经济的急速发展,使得信用卡业迎来了发展的春天。但值得注意,广泛使用信用卡导致出现了许多法律问题,本文主要对恶意透支信用卡犯罪展开研究,希望能对这一问题有所帮助。全文主要包括以下三个部分：第一部分简要论述了信用卡的基本概念和属性及中外刑法典对恶意透支、信用卡诈骗犯罪的规定情况。这部分又分为三小部分：第一,主要以信用卡的基本属性为内容,简要介绍了信用卡的发展过程、信用卡的主要功能及运作方式；第二,引入恶意透支的现行法律和学术界定,列举了恶意透支的主要形式；第三,介绍了中国的主要立法进程,恶意透支型信用卡诈骗罪经历了从无到有,从原则性规定到具体性规定的过程,这也体现出国家对于规制这类犯罪的决心；其他国家对信用卡犯罪的规制同样采取了不同的模式,主要有将其规定为独立罪名、将其归入诈骗罪以及对此行为不作规制三种。第二部分是本文的主要内容,主要围绕着恶意透支型信用卡诈骗罪的立法问题展开分析,主要涉及以下几个问题：一、恶意透支行为归罪的必要性问题,二、单位能否作为犯罪主体问题,三、超限额透支的可行性问题。第三部分同样是本文着重论述的部分,主要就恶意透支型信用卡诈骗罪的司法认定进行分析,包括主体持卡人的范围、如何认定行为人具有非法占有目的、两次催收的时间间隔以及犯罪数额等一系列问题。这一部分主要采取了理论与案例分析相结合的形式,在理论研究的同时,根据笔者的研究结论分析文章中三个典型案例的定性,以期将问题讲述的更加清晰、透彻。
[Abstract]:With the rapid development of social economy, credit card industry ushered in the spring of development. However, it is worth noting that the widespread use of credit cards has led to many legal problems. This paper mainly studies the crime of malicious overdraft credit card, hoping to be helpful to this problem. The full text mainly includes the following three parts: The first part briefly discusses the basic concept and attribute of credit card and the provisions of Chinese and foreign criminal code on malicious overdraft and credit card fraud. This part is also divided into three small parts: first, mainly based on the basic attributes of credit card as the content, a brief introduction of the credit card development process, the main functions and operation of credit cards; second, the introduction of malicious overdraft of the current law and academic definition, The main forms of malicious overdraft are listed. Thirdly, the main legislative process of China is introduced. The crime of malicious overdraft credit card fraud has gone through the process from scratch, from principle stipulation to concrete stipulation. This also reflects the determination of the state to regulate this kind of crime; other countries have also adopted different models for the regulation of credit card crimes, which are mainly defined as independent charges, classified as fraud and not regulated. The second part is the main content of this paper, mainly around the malicious overdraft credit card fraud legislation issues, mainly involving the following issues: first, the necessity of malicious overdraft behavior, second, Whether the unit can be regarded as the subject of crime, third, the feasibility of overdraft. The third part is also discussed in this paper, mainly on the malicious overdraft type of credit card fraud judicial identification, including the scope of the main cardholder, how to determine that the perpetrator has the purpose of illegal possession, The interval between the two calls and the amount of crime is a series of questions. This part mainly takes the form of the combination of theory and case analysis. At the same time, according to the author's conclusion, the qualitative analysis of three typical cases in the article, in order to tell the problem more clearly and thoroughly.
【学位授予单位】：中国政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D924.3

【参考文献】