论文部分内容阅读
自从1985年6月中国银行珠海分行发行我国第一张信用卡“KK珠江卡”以来,随着改革开放的深入和市场经济的发展,信用卡已成为风行全国各地的重要结算手段和支付工具。但是,由于信用卡的使用是以持卡人的信用为基础,加上管理环节上的种种漏洞,其本身就具有较大的风险性。使用上的便利也使信用卡极易成为诈骗犯罪的工具。据了解仅杭州一家发卡银行自发卡以来就被骗损失120余万元人民币,而全省的损失已近亿元。如何预防和减少此类案件的发生,无疑是金融部门和公安机关的新课题。本文试就信用卡诈骗犯罪的特点、原因及防范对策略陈已见。一、信用卡诈骗犯罪的基本特征信用卡诈骗犯罪是以非法占有、骗取资财为目的,利用伪造、涂改、冒用的信用卡及恶意透支等手段实施的骗取钱物的行为。这一犯罪具有以下特征: (一)信用卡诈骗犯罪是一种故意犯罪。犯罪人
Since the first credit card issued by Zhuhai Branch of Bank of China in June 1985, “KK Zhujiang Card”, with the deepening of reform and opening up and the development of market economy, credit cards have become an important settlement means and payment instrument popular all over the country. However, since the credit card is based on the cardholder’s credit and the various loopholes in the management process, the credit card itself is more risky. The ease of use also makes credit cards extremely vulnerable to fraud crimes. It is understood that only a card-issuing bank in Hangzhou since the card has been cheated on the loss of more than 120 million yuan, while the province’s loss of nearly 100 million yuan. How to prevent and reduce the occurrence of such cases is undoubtedly a new topic for the financial sector and public security organs. This article examines the characteristics of credit card fraud crime, causes and preventive strategies have been seen. First, the basic features of credit card fraud Crime of credit card fraud is the illegal possession, fraud for the purpose of the use of fake, altered, fraudulent use of credit cards and malicious overdone methods such as fraud behavior. This crime has the following characteristics: (a) credit card fraud crime is a deliberate crime. Offender