【作者】 赵勇；

【导师】 万国海；

【作者基本信息】 扬州大学 ， 法学， 2021， 硕士

【摘要】 伴随着我国社会经济的快速发展,金融市场也在趋于完善和成熟,信用卡可以提前消费的特色使得其在人们的日常生活中普遍流行。信用卡使用群体的大众化、存在形式的多样性,消费和支付方式的便利性,也让不法分子有了可乘之机,信用卡的使用群体面临着巨大的风险。特别是近些年随着网络的迅猛发展,新型的支付方式如微信、支付宝及各种新型支付手段的出现,使信用卡与支付终端紧密的联系在一起。正是信用卡使用形式不断的增加与普及,也使得涉信用卡犯罪的形式多样性,这就给司法实践正确认识并认定信用卡犯罪的归类增加了难度。所以,根据信用卡犯罪的多种不同形式,研究信用卡犯罪相关问题,具有重要的理论和实践意义。虽然信用卡在中国出现的相对较晚,但发展态势迅猛,涉信用卡犯罪也越来越猖獗,严重干扰和破坏了国家金融秩序的稳定性,具有严重的社会危害性和刑事违法性。九七年信用卡诈骗罪正式列入了刑法,至此开创了刑法对信用卡犯罪苛以刑罚的先河,也是一步重要的尝试。此后《刑修五》对信用卡犯罪做了进一步的完善。从现在的刑法规定来看,法律条文对信用卡犯罪的相关规定相对比较完善和全面,在技术层面也相对领先。但是信用卡犯罪形式的多样性,新的犯罪手法、犯罪方式随着网络技术的更新不断地涌现出来,仍旧存在一些困扰司法部门具体定罪量刑的的难题没有得到有效解决。所以刑法学界还需要进一步探索研究有关信用卡犯罪所涉及的新问题。笔者立足于现行刑法对涉信用卡犯罪有关的立法条文和刑法总则,结合现实中面临的实际情况及需要,对涉信用卡犯罪的相关问题进行论述和探讨,文章除引言部分外从以下三个方面展开论述:首先是涉信用卡犯罪几个紧密相关的重要问题,一是其主要行为包括伪造并使用信用卡的行为、冒用他人信用卡的行为、“恶意透支型”信用卡的行为、信用卡“套现”等,对这几种行为的社会危害性、法益侵害性及刑法的认定或留白处展开论述;二是重点讨论信用卡犯罪的五种对象的认定问题;三是涉信用卡犯罪侵害的法益;其次是信用卡诈骗罪的认定,对信用卡诈骗罪的认定从三个方面展开了详细的讨论,具体而言主要涉及持卡人的身份、持有信用卡的真假性及两者之间互相交叉的情况下如何认定,并且对新型支付方式下的信用卡诈骗诈骗及伪造信用卡的认定问题;最后是窃取、收买、非法提供信用卡信息罪的认定,笔者从信用卡的内涵和外延及罪数形态上进行了多角度分析。有关信用卡犯罪涉及的罪名、概念、构成条件及司法实践中遇到的疑难问题从原理和现实的角度进行讨论分析和不断地深入研究,对社信用卡犯罪的立法标准的进一步明确和完善有着重要意义,也有利于涉信用卡犯罪的预防和惩治由更加明确的法律依据。更多还原

【Abstract】 With the promotion of smart phones,the integration of network technology and mobile phone technology,network payment has sprouted under the promotion of economic development,and has been rapidly promoted.New payment technology has brought us wireless convenience,but also brought "business opportunities”to lawless elements.With the virtual nature of Internet and the lag of legal regulation,criminals,driven by economic interests,take risks to carry out the cases involving Internet payment and property infringement,which are becoming increasingly serious,posing a serious threat to other people’s property legal interests.At the same time,there is also a certain damage to the social financial management order.Therefore,the crimes involving Internet property infringement are under threat People’s attention.With the rapid development of China’s social economy,the financial market is also tending to be perfect and mature.The characteristics of credit card can be consumed in advance make it popular in people’s daily life.The popularity of credit card users,the diversity of existing forms,and the convenience of consumption and payment methods also give criminals opportunities,and the credit card users are facing huge risks.Especially in recent years,with the rapid development of the network,new payment methods such as WeChat,Alipay and various new payment methods have made the credit card and payment terminal closely linked.It is the continuous increase and popularization of the forms of credit card use,and also the diversity of the forms of credit card related crimes,which makes it more difficult for judicial practice to correctly understand and identify the classification of credit card crimes.Therefore,according to the various forms of credit card crime,the study of credit card crime has important theoretical and practical significance.Although the credit card appears relatively late in the country,it is developing very fast.The crimes related to credit card are also increasing day by day,causing serious losses to the property of individuals and the state,seriously interfering with and destroying the stability of the national financial order,which has serious social harm and criminal illegality.In 1997,the crime of credit card fraud was formally included in the criminal law.So far,it is the first time for the criminal law to impose severe penalty on the crime of credit card,which is also an important attempt.Since then,"criminal Amendment 5" has further improved the credit card crime.From the current provisions of the criminal law,the relevant provisions of the legal provisions on credit card crime are relatively perfect and comprehensive,and they are also relatively advanced in technology.However,due to the diversity of credit card crime forms,new criminal techniques and criminal methods are constantly emerging with the update of network technology,and there are still some problems that perplex the judicial departments in specific conviction and sentencing,which have not been effectively solved.Therefore,the academic circle of criminal law needs to further explore and study the new problems related to credit card crime.Based on the current criminal law on the credit card crime related legislative provisions and general provisions of the criminal law,combined with the actual situation and needs faced in reality,the author discusses and discusses the related problems of the credit card crime.In addition to the introduction,the article discusses from the following three aspects:first,several closely related important problems of the credit card crime,one is that its main behavior includes false behavior This paper discusses the social harmfulness,the infringement of legal interests and the identification or blank space of criminal law of the behaviors of making and using credit card,using others’ credit card falsely,overdraft type credit card maliciously,and cash out of credit card,etc This paper discusses the identification of credit card fraud from three aspects:the identity of the cardholder,the authenticity of the credit card and how to identify them when they cross each other.It also discusses the identification of credit card fraud and forged credit card under the new payment mode.Finally,it discusses the identification of theft,bribery,fraud and forged credit card As for the determination of the crime of illegally providing credit card information,the author makes a multi angle analysis from the connotation and extension of credit card and the number of crimes.It is of great significance to further clarify and improve the legislative standards of credit card crimes of cooperatives,and to provide a clearer legal basis for the prevention and punishment of credit card crimes.更多还原