本文選題：惡意透支 + 信用卡詐騙��； 參考：《中國政法大學(xué)》2014年碩士論文

【摘要】：社會經(jīng)濟(jì)的急速發(fā)展,使得信用卡業(yè)迎來了發(fā)展的春天。但值得注意,廣泛使用信用卡導(dǎo)致出現(xiàn)了許多法律問題,本文主要對惡意透支信用卡犯罪展開研究,希望能對這一問題有所幫助。 全文主要包括以下三個(gè)部分： 第一部分簡要論述了信用卡的基本概念和屬性及中外刑法典對惡意透支、信用卡詐騙犯罪的規(guī)定情況。這部分又分為三小部分：第一,主要以信用卡的基本屬性為內(nèi)容,簡要介紹了信用卡的發(fā)展過程、信用卡的主要功能及運(yùn)作方式；第二,引入惡意透支的現(xiàn)行法律和學(xué)術(shù)界定,列舉了惡意透支的主要形式；第三,介紹了中國的主要立法進(jìn)程,惡意透支型信用卡詐騙罪經(jīng)歷了從無到有,從原則性規(guī)定到具體性規(guī)定的過程,這也體現(xiàn)出國家對于規(guī)制這類犯罪的決心；其他國家對信用卡犯罪的規(guī)制同樣采取了不同的模式,主要有將其規(guī)定為獨(dú)立罪名、將其歸入詐騙罪以及對此行為不作規(guī)制三種。 第二部分是本文的主要內(nèi)容,主要圍繞著惡意透支型信用卡詐騙罪的立法問題展開分析,主要涉及以下幾個(gè)問題：一、惡意透支行為歸罪的必要性問題,二、單位能否作為犯罪主體問題,三、超限額透支的可行性問題。 第三部分同樣是本文著重論述的部分,主要就惡意透支型信用卡詐騙罪的司法認(rèn)定進(jìn)行分析,包括主體持卡人的范圍、如何認(rèn)定行為人具有非法占有目的、兩次催收的時(shí)間間隔以及犯罪數(shù)額等一系列問題。這一部分主要采取了理論與案例分析相結(jié)合的形式,在理論研究的同時(shí),根據(jù)筆者的研究結(jié)論分析文章中三個(gè)典型案例的定性,以期將問題講述的更加清晰、透徹。
[Abstract]:With the rapid development of social economy, credit card industry ushered in the spring of development. However, it is worth noting that the widespread use of credit cards has led to many legal problems. This paper mainly studies the crime of malicious overdraft credit card, hoping to be helpful to this problem. The full text mainly includes the following three parts: The first part briefly discusses the basic concept and attribute of credit card and the provisions of Chinese and foreign criminal code on malicious overdraft and credit card fraud. This part is also divided into three small parts: first, mainly based on the basic attributes of credit card as the content, a brief introduction of the credit card development process, the main functions and operation of credit cards; second, the introduction of malicious overdraft of the current law and academic definition, The main forms of malicious overdraft are listed. Thirdly, the main legislative process of China is introduced. The crime of malicious overdraft credit card fraud has gone through the process from scratch, from principle stipulation to concrete stipulation. This also reflects the determination of the state to regulate this kind of crime; other countries have also adopted different models for the regulation of credit card crimes, which are mainly defined as independent charges, classified as fraud and not regulated. The second part is the main content of this paper, mainly around the malicious overdraft credit card fraud legislation issues, mainly involving the following issues: first, the necessity of malicious overdraft behavior, second, Whether the unit can be regarded as the subject of crime, third, the feasibility of overdraft. The third part is also discussed in this paper, mainly on the malicious overdraft type of credit card fraud judicial identification, including the scope of the main cardholder, how to determine that the perpetrator has the purpose of illegal possession, The interval between the two calls and the amount of crime is a series of questions. This part mainly takes the form of the combination of theory and case analysis. At the same time, according to the author's conclusion, the qualitative analysis of three typical cases in the article, in order to tell the problem more clearly and thoroughly.
【學(xué)位授予單位】：中國政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：D924.3

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本文編號：1940941