刍议当前信用卡犯罪的防治对策

发布时间：2018-05-18 06:01

本文选题：信用卡 + 现状　；参考：《上海交通大学》2007年硕士论文

【摘要】： 本文首先对信用卡犯罪的概念范畴进行了探讨,重点围绕不具有透支功能的银行卡是否属于刑法意义信用卡的问题,对刑法意义上的信用卡进行了界定。在明确信用卡犯罪概念的前提下,本文结合数据统计和案例,分析了当前我国信用卡犯罪的特点、发展趋势和主要犯罪手法,并由此深入分析了造成当前信用卡犯罪多发的信用卡本身流通环节多及技术防范措施薄弱、信用体系不健全和持卡人用卡习惯不良、银行对信用卡各环节的内部管理不严、特约商户业务管理上存有漏洞等原因。如何有效防治信用卡犯罪,文章分刑法制度的完善和一般防范策略两个层面进行了探讨。在肯定《刑法修正案(五)》对有效打击信用卡犯罪的积极意义的同时,提出了根据司法实务操作需要,刑法需要进一步完善和明确的相关建议。此外,本文还从完善信用卡的金融立法和相关规章制度,加强与信用卡业务相关的技防、物防、人防建设,建立公民个人信用制度体系、加强信息沟通和共享,完善发卡行和特约商户的内部管理,加强宣传,提高持卡人的防范意识等五个方面提出了防范信用卡犯罪的一般策略。
[Abstract]:This paper first discusses the concept of credit card crime, focusing on whether the bank card with no overdraft function belongs to the criminal law credit card, and defines the credit card in the criminal law sense. On the premise of defining the concept of credit card crime, this paper analyzes the characteristics, development trend and main criminal methods of credit card crime in China, combining with data statistics and cases. And from this in-depth analysis of the credit card itself caused by the current frequent crime of credit card itself circulation links and technical prevention measures are weak, the credit system is not perfect and cardholders bad habits, banks do not have strict internal management of each link of the credit card. Special business management on the existence of loopholes and other reasons. How to prevent and cure the crime of credit card effectively is discussed in two aspects: the perfection of criminal law system and the general preventive strategy. While affirming the positive significance of "Criminal Law Amendment (5)" for effectively cracking down on credit card crimes, this paper puts forward some relevant suggestions which need to be further improved and clearly defined according to the needs of judicial practice. In addition, this article also from consummates the credit card financial legislation and the related rules and regulations, strengthens the technical defense, the material defense, the civil air defense construction related to the credit card business, establishes the citizen personal credit system, strengthens the information communication and the sharing, This paper puts forward the general strategy of preventing credit card crime from five aspects: perfecting the internal management of the issuing bank and the special merchant, strengthening the propaganda and raising the cardholder's guard consciousness.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2007
【分类号】：D917.6

【引证文献】