恶意透支型信用卡诈骗行为非罪化之探讨

发布时间：2018-06-30 00:05

本文选题：信用卡恶意透支 + 民事借贷合同　；参考：《华东政法大学》2014年硕士论文

【摘要】：恶意透支型信用卡诈骗行为是目前比较常见的社会问题之一，近些年这一类案件在刑法的严厉打击之下却依旧呈现出高发的态势。这一现象引起了笔者的反思，将信用卡恶意透支行为入刑是否正确？除了刑法之外还有没有更合适的治理方案？本文通过分析恶意透支行为的社会危害程度并借助犯罪的二次性违法理论，论证了刑法介入恶意透支行为具有一定的超前性，并通过分析得出刑法不应该涉足恶意透支领域的结论，同时指出利用刑法来处理恶意透支问题还将对社会带来巨大的负面影响。文章的最后分析了恶意透支型信用卡诈骗形成的原因并提出了相关的治理建议，希望通过制度的完善从源头上对恶意透支行为做好预防与治理工作。除导言和结语外，正文共分为三章：第一章首先阐述了恶意透支型信用卡诈骗在我国的基本现状，包括我国现有的法律规定以及近几年该类案件在我国的出现情况。之后又列出了银行处理该类问题时的具体流程，同时分析了银行在这一问题上的主观心态。此外，本章还运用了对比分析的方法，希望通过对信用卡透支行为与普通民事借贷行为异同的具体对比，进一步认定信用卡透支行为的法律性质，为后文的论述提供相应的依据。第二章主要探讨了刑法介入恶意透支行为的合理性。本章在深入探讨恶意透支行为社会危害性的基础上，借助犯罪的二次性违法理论以及刑法的成本理论对恶意透支入刑的合理性展开具体分析，进而得出刑法介入恶意透支行为缺乏合理性的结论。本章的最后还指出刑法的超前介入可能会引起诸多负面问题，，例如掩盖社会矛盾、过度消耗司法资源等。以上内容旨在说明恶意透支型信用卡诈骗行为非罪化的必要性。第三章通过对恶意透支形成原因的分析，提出了治理该问题的相关建议。首先，指出需要完善信用卡申领制度，并论述了其必要性；其次，引入并详细介绍了“个人财务状况动态评价机制”，同时论述了该机制对治理“一人多卡型”恶意透支的积极作用；最后，提出通过运用抵押、质押和保证等多种担保手段提高银行信用卡业务的安全性，并对现存的《商业银行信用卡业务监督管理办法》提出了具体的完善建议，希望在最大限度上遏制恶意透支行为的发生。
[Abstract]:Malicious overdraft credit card fraud is one of the most common social problems at present, but in recent years, this kind of cases still show a trend of high incidence under the severe punishment of criminal law. This phenomenon has aroused the author's reflection, will the credit card malicious overdraft behavior into the punishment is correct? Is there a more appropriate governance programme in addition to criminal law? By analyzing the degree of social harm of malicious overdraft, and with the help of the theory of crime's secondary violation, this paper proves that the criminal law's intervention in malicious overdraft has a certain forerunner. The conclusion that criminal law should not set foot in malicious overdraft field is concluded through analysis. At the same time, it is pointed out that using criminal law to deal with malicious overdraft will bring great negative influence to society. Finally, the paper analyzes the reasons of malicious overdraft credit card fraud and puts forward some relevant management suggestions, hoping to prevent and control malicious overdraft behavior from the source through the improvement of the system. In addition to the introduction and conclusion, the text is divided into three chapters: the first chapter describes the basic situation of malicious overdraft credit card fraud in China, including the existing legal provisions and the emergence of such cases in China in recent years. After that, it lists the concrete flow of bank dealing with this kind of problem, and analyzes the subjective mentality of bank on this problem at the same time. In addition, this chapter also uses the method of comparative analysis, hoping to further identify the legal nature of credit card overdraft behavior by comparing the similarities and differences between credit card overdraft behavior and ordinary civil borrowing behavior. To provide the corresponding basis for the following discussion. The second chapter mainly discusses the rationality of criminal law intervention in malicious overdraft. On the basis of deeply discussing the social harmfulness of malicious overdraft, this chapter makes a concrete analysis of the rationality of malicious overdraft with the help of the theory of secondary crime and the cost theory of criminal law. The conclusion that criminal law is involved in malicious overdraft is not reasonable. At the end of this chapter, it is pointed out that the advance intervention of criminal law may cause many negative problems, such as concealing social contradictions and excessive consumption of judicial resources. The purpose of the above is to illustrate the necessity of decriminalization of malicious overdraft credit card fraud. The third chapter analyzes the reasons of malicious overdraft, and puts forward some suggestions to deal with this problem. Firstly, it points out the need to perfect the credit card application system and discusses its necessity. Secondly, it introduces and introduces in detail the "dynamic evaluation mechanism of personal financial situation". At the same time, it discusses the positive effect of this mechanism on the management of "one-man multi-card type" malicious overdraft. Finally, it proposes to improve the security of bank credit card business by means of various means such as mortgage, pledge and guarantee, etc. It also puts forward some concrete suggestions on the supervision and management of credit card business in commercial banks, hoping to contain the malicious overdraft to the maximum extent.
【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D924.35

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