从网络发卡看信用卡法律规制的适用与完善

发布时间：2018-07-05 13:18

本文选题：信用卡 + 网络发卡　；参考：《华东政法大学》2014年硕士论文

【摘要】：在信用卡50多年的发展历程中，由于它给广大消费者带来了购物支付和个人融资消费的极大便利，促进了商家的支付结算和销售，同时给发卡银行带来了巨大的业务和利润，所以一直保持着快速发展的势头，成为人们日常生活的不可或缺的一部分。信用卡作为新兴支付工具，在给大众带来了便捷高效的生活享受，但也给犯罪分子带来可乘之机。目前学术理论界和司法实践对于信用卡犯罪的研究已经取得一定突破，但主要集中在针对信用卡用卡环节的研究，如：冒用他人信用卡、伪造信用卡、恶意透支等，对于信用卡申请环节的研究不够重视。在过去信用卡突飞猛进发展的10年内，各家银行主要通过网点、业代与客户面对面营销的方式，增加卡量。这种营销方式耗费较多的人力、物力，成本高昂。随着互联网金融的普及，在传统的信用卡营销方式之外，近年又出现了通过网站申请信用卡的新方式，这种方式因为快速便捷、方便高效，迅速抢占市场，但其中也蕴藏着潜在的风险，因此研究信用卡申请环节存在的风险及防范措施显得更加必要。本文通过对网站申请信用卡新流程的全面阐述，以及对于申请环节存在的风险进行思考，并就其中若干法律适用问题进行探讨，最后提出完善信用卡网络发卡的法律对策。本文除了引言和结论外，主要分为四章：第一章为信用卡网络发卡的概述。本章主要分两大部分：第一部分，主要介绍信用卡网络发卡的业务背景。具体包括信用卡行业发卡现状，交行网络发卡的必要性以及交行网络发卡的可能性。第二部分，主要介绍网络发卡的业务流程。主要通过网络发卡和柜面办卡流程的比较，总结其优点及不足。第二章为现有信用卡法律规制体系概述。列举目前法律法规对信用卡管理的规制体系，并就“信用卡”定义进行再次探讨。第三章网络发卡的法律适用。首先，由于网络申请信用卡几乎是以无纸化的方式在运行，电子合成图片大量存在，因此本章主要研究电子数据的证据效力。并对“骗领信用卡”进行解读。其次，由于在开卡激活环节，银行方需要对客户进行实名制认证，因此需要研究在实名制要求下银行对于身份证件的审查责任。再次，由于网络申请信用卡和传统申请信用卡的方式不同，在信用卡管辖权等问题也值得深入探讨。最后，对网络信用卡套现的形式及防范进行阐述。第四章为提出完善信用卡法律规制的建议。主要从推动网络交易法律规制体系的建立，，现行法律规制体系的完善角度出发进行探讨。
[Abstract]:In the development of credit card for more than 50 years, because of its great convenience for consumers to pay for shopping and personal financing consumption, it promotes the payment and settlement and sales of merchants, and at the same time brings huge business and profits to card issuing banks. So has been maintaining the momentum of rapid development, become an indispensable part of people's daily life. As a new payment tool, credit card not only brings convenience and efficiency to the public, but also gives criminals a chance to take advantage of it. At present, some breakthroughs have been made in the research of credit card crime in academic theory and judicial practice, but it is mainly focused on the study of credit card links, such as using others' credit cards, counterfeiting credit cards, malicious overdraft and so on. The research on credit card application is not enough. In the past 10 years of rapid development of credit cards, banks mainly through the network, industry and customers face to face marketing way, increase the number of cards. This kind of marketing method consumes more manpower, material resources and high cost. With the popularity of Internet finance, in addition to the traditional credit card marketing methods, in recent years, there has been a new way to apply for credit cards through websites. This method is fast and convenient, convenient and efficient, and quickly grabs the market. But there are also potential risks, so it is more necessary to study the risks and preventive measures in credit card application. In this paper, the author expounds the new process of credit card application on website, thinks about the risk of application, discusses some applicable problems of law, and finally puts forward the legal countermeasures to perfect the credit card issuing network. In addition to the introduction and conclusions, this paper is divided into four chapters: the first chapter is an overview of credit card network card issuance. This chapter is divided into two parts: the first part, mainly introduces the business background of credit card network. It includes the status quo of credit card issuing, the necessity of network card issuing and the possibility of network card issuing. The second part, mainly introduces the network card business process. The advantages and disadvantages of network card issuing and counter card processing are summarized. The second chapter is an overview of the existing credit card legal regulation system. This paper enumerates the regulation system of credit card management and discusses the definition of "credit card" again. Chapter III legal application of network card issuing. Firstly, because the network application for credit card is almost paperless, and the electronic composite picture exists a lot, this chapter mainly studies the evidential effect of electronic data. And to deceives the credit card to carry on the interpretation. Secondly, because of the activation of the card, the bank needs to authenticate the customer under the real name system, so it needs to study the responsibility of the bank to examine the identity document under the requirement of the real name system. Thirdly, due to the difference between online credit card application and traditional credit card application, credit card jurisdiction and other issues are worth further discussion. Finally, the form of network credit card cash and prevention are expounded. The fourth chapter is to put forward the proposal of perfecting the legal regulation of credit card. This paper probes into the establishment of legal regulation system of network transaction and the perfection of current legal regulation system.
【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】：D924.3;D922.28

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