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随着社会经济的发展,人们的支付方式也发生了很大的改变,信用卡广泛的用于人们的交易中,尤其在年轻人中成为了支付方式的首选。但是这也引起了诸多社会问题和法律问题,信用卡诈骗犯罪率也逐年提高。尤其是一些持卡人因为种种原因违反信用卡管理规定将自己的信用卡借与他人使用,最后造成借卡人无法偿还透支款项的案件越来越多的出现在司法实践中。因此本文想就实务中逐渐增多的这类新型信用卡诈骗罪的认定问题加以分析。
With the social and economic development, people’s payment methods have undergone great changes. Credit cards are widely used in people’s transactions, especially among young people. However, this also raises many social and legal issues and the crime rate of credit card fraud also increases year by year. In particular, some cardholders have borrowed their credit cards for other reasons in violation of the credit card regulations, resulting in an increasing number of cases where the cardholder can not pay overdraft funds in judicial practice. Therefore, this article would like to analyze the problem of accreditation of such new types of credit card fraud in practice.