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审判机关运用司法手段保护信用卡透支案件的债权回收,是维护银行业金融安全的重要途径,也是预防和化解银行金融风险,保持我国金融市场长期和谐稳定发展的重要使命。本文在实证研究的基础上,从执行视角对信用卡债权回收率极低的现状进行解读,试图通过大数据分析方法探索信用卡纠纷执行案件中存在的某些规律,分析信用卡纠纷民事追偿程序执行难的原因,并提出信用卡透支纠纷执行的解困之路。
Judicial organs using judicial means to protect credit card overdraft claims recovery is an important way to safeguard the financial safety of the banking industry, but also to prevent and resolve bank financial risks and maintain the long-term harmonious and stable development of China’s financial market an important mission. On the basis of empirical research, this paper analyzes the current situation of the extremely low recovery rate of credit card claims from the perspective of implementation, attempts to explore some laws existing in the execution cases of credit card disputes by means of big data analysis, and analyzes the difficult implementation of civil compensation procedures in credit card disputes The reason and put forward the solution to the overdraft of credit card overdrafts.