延边地区信用卡诈骗罪实证调查与对策研究

发布时间：2018-04-22 22:19

本文选题：延边地区 + 信用卡诈骗　；参考：《延边大学》2017年硕士论文

【摘要】：信用卡使用普及化已经成为大势所趋,央行发行的《2016年支付体系运行总体情况报告》显示,截至2016年末,人均持有信用卡0.31张,同比增长6.27%。不可否认,信用卡的优势渐渐凸显,其不仅可以解决急需现金的燃眉之急,同时消费刷卡也相对安全,而且最重要的是其方便与快捷性,比如说在国外消费可以直接刷卡并省去了兑换外币与整钱找零的麻烦,除此之外,银行推出的各种信用卡,都附带着一些促进刷卡消费的增值服务,如现金回报、抽奖、购物折扣、免费保险、旅行服务、个人理财报告等等。但正所谓"尺有所短寸有所长,物有所不足智有所不明",看到其优势之时,我们还必须看到其所带来的广泛利用所随之带来的滥用现象,近年来信用卡滥用现象也水涨船高,恶意透支等现象屡见不鲜。近年来,延边地区经济发展迅速,延边人民消费水平和消费能力都得到相应的提升,信用卡业务在随之而来的在延边地区得到了普及,但与此同时的是信用卡诈骗犯罪呈大幅上升趋势,可以说,延边地区信用卡犯罪情况与全国范围内的信用卡使用的整体情况基本趋于一致,而信用卡诈骗犯罪已成为当前延边地区金融犯罪的高发类型,并日益受到理论学界以及公检法等司法机关的重视。据延边州中级人民法院的统计,2016年延边地区信用卡诈骗犯罪数量达50件,同比增长138.1%。这说明延边地区的金融环境已经逐步遭受腐蚀,解决问题迫在眉梢。本文以延边地区2012年到2016年五年间两级法院审理的信用卡诈骗罪的案件数据为基础,加以分析典型案例,从信用卡诈骗罪的概述入手,总结分析近五年的数据,并分别根据犯罪数量的总体趋势、犯罪多发县市、犯罪主体情况以及犯罪手段情况加以研究得出延边地区近五年信用卡诈骗犯罪的研究结论,即信用卡诈骗犯罪多发于人口多、经济发达的县市;犯罪主体以青中年、有基本文化程度、无固定职业为主且未与民族人口数量成正比,朝鲜族犯罪主体较少;犯罪手段以恶意透支型占绝大多数,其他犯罪手段占少数。随后笔者着重分析延边地区近年来信用卡诈骗犯罪高发原因包括国家立法层面、社会意识层面、发卡银行层面、个人防范层面以及延边州公检法机关宣传不到位,并最终根据上述几个层面给出合理的建议,以期能在真实数据的基础之上结合学界理论与个人观点,为延边地区信用卡诈骗罪的打击和防范上增添一份力量,营造出良好的延边金融环境。
[Abstract]:The popularity of credit card use has become a general trend, with the central bank issuing the General report on the Operation of the payment system for 2016, showing that by the end of 2016, 0.31 credit cards were held per capita, an increase of 6.27 percent over the same period last year. Undeniably, the advantages of credit cards are becoming increasingly prominent. They can not only solve the urgent need for cash, but also make it relatively safe for consumers to swipe their cards, and most importantly, their convenience and rapidity. For example, in foreign countries, we can use our credit cards directly and save the trouble of changing foreign currencies and changing change. In addition, all kinds of credit cards introduced by banks are accompanied by some value-added services to promote the consumption of credit cards, such as cash returns and raffle. Shopping discounts, free insurance, travel services, personal financial reports, and so on. When we see its advantages, we must also see the abuse brought about by its extensive use. In recent years, the abuse of credit cards has also increased. Malicious overdraft and other phenomena are common. In recent years, the Yanbian area economy develops rapidly, the Yanbian people's consumption level and the consumption ability are all obtained the corresponding enhancement, the credit card business has obtained the popularization in the Yanbian area subsequently, But at the same time, the crime of credit card fraud is on the rise. It can be said that the situation of credit card crime in Yanbian area is basically in line with the overall situation of credit card use in the whole country. Credit card fraud has become the current high incidence of financial crimes in Yanbian area, and has been paid more and more attention by the academic circles, public security bureau, procuratorate, court and other judicial organs. According to the Yanbian Intermediate people's Court, the number of credit card fraud crimes in Yanbian region reached 50 in 2016, an increase of 138.1 percent over the same period last year. This shows that the financial environment in Yanbian area has gradually suffered corrosion, solve the problem in eyebrow. Based on the case data of credit card fraud in Yanbian area from 2012 to 2016, this paper analyzes the typical cases, summarizes and analyzes the data of nearly five years from the overview of the crime of credit card fraud. And according to the overall trend of the number of crimes, crime prone counties and cities, crime subjects and criminal means to study the situation of Yanbian area in the past five years of credit card fraud crime research conclusions, that is, credit card fraud crime in the population, Economically developed counties and cities; the main body of crime is youth and middle age, has basic education, has no fixed occupation and is not directly proportional to the number of ethnic population, the Korean nationality crime subject is less, the crime means to malicious overdraft type accounts for the vast majority, Other criminal means are in the minority. Then the author emphatically analyzes the reasons for the high incidence of credit card fraud in Yanbian area in recent years, including the level of national legislation, social consciousness, credit card issuing bank, personal prevention, and Yanbian prefecture public security bureau, procuratorate, court organ propaganda is not in place. And finally according to the above several levels to give reasonable suggestions, in the hope of combining the academic theory and personal views on the basis of real data, Yanbian area credit card fraud for the crackdown and prevention of a force, Create a good Yanbian financial environment.
【学位授予单位】：延边大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D924.3

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