信用卡诈骗论文：信用卡诈骗犯罪相关问题研究

信用卡诈骗论文：信用卡诈骗犯罪相关问题研究 信用卡诈骗论文:信用卡诈骗犯罪相关问题研究 【中文摘要】行为人采取盗窃、抢劫、诈骗、抢夺、侵占(捡拾、保管)、抵押、借用等手段获取他人信用卡后加以使用,侵犯他人财产所有权及银行金融管理秩序,该如何适用法律进行定罪处罚,引起许多的争议很大。司法实践中针对上述行为,有的按照获取信用卡的手段分别认定,如最高人民法院在“全国基层法官培训”中,以最高人民法院观点集成出书立说,对诈骗、抢夺、抢劫等手段获取信用卡并使用的,按照盗窃信用卡并使用的原理定罪处罚,分别认定为盗窃罪、诈骗罪、抢夺罪、侵占罪、抢劫罪等。有的全部以盗窃罪定罪,如张明楷教授在《刑法学》、《诈骗罪和金融诈骗罪研究》等著作中指出,在自动提款机上使用上述行为获取到信用卡的,符合盗窃罪的构造,理所应当成立盗窃罪,因为机器不能被骗;有的以信用卡诈骗罪定罪,因为不管如何取得信用卡,使用行为就是信用卡诈骗罪当中的冒用行为。本人从事刑事检察工作多年,接触和办理了大量的信用卡诈骗案件,对此有着强烈的感性认知,现拟从司法实践的角度和视野,揭示盗窃他人信用卡并使用的性质、借用他人信用卡透支的性质等争议较大的问题,开展思考和研究,提出解决上述问题的倾向性观点。我认为无论占有他人信用卡过程是否合法,只要违背了合法持卡人的意志,无权、越权、擅权使用他人信用卡,都属于冒用他人信用卡行为。因此通过捡拾、保管、抵押等合法方式取得他人信用卡并使用的以及通过诈骗、抢夺、盗窃、抢劫等犯罪手段获取他人信用卡并使用的,符 合冒用信用卡的诈骗犯罪。对盗窃信用卡并使用作出盗窃罪的规定是 错误的;借用他人信用卡透支后未不归还的,不当然构成冒用信用卡 诈骗,当然不构成恶意透支信用卡诈骗,同时不应忽视持卡人的恶意 透支的责任。 【英文摘要】There are greatly different controversy for how to apply the law of the Criminal Law that Perpetrator get another credit card to be used and overdraft by theft, robbery, fraud, plunder, invasion and occupation (pick up or storage), mortgage, loan and other means and violate financial ownership and infringement of bank financial management order. In response to these acts of judicial practice, some identification were in accordance with the means to obtain the credit card. for example, the Supreme Court consider in accordance with the principle of convicted and punished that it were identified as theft, fraud, crime of plunder, embezzlement, robbery and so on by fraud, plunder, robbery and other means to obtain and use credit card. Some identification were convictions for theft , such as Professor Zhang Mingkai in the “Criminal Law” and “fraud and financial fraud research” ,he consider that use the ATM to get credit card, this behavior were identified theft because the machine can not be deceived. Some consider it were identified as credit card fraud conviction, because no matter how to obtain credit cards, the behavior of using credit card is among the fraudulent behavior.I have engaged in criminal prosecutions for many years, I have strong emotional awareness for credit card fraud. Now from the perspective of judicial practice , I put forward the tendency ideas to solve these controversial issues that conclude the behavior that use of stolen credit cards or borrow other people’s credit card to overdraft. I think as long as the violation of the legitimate cardholder’s will to process credit card regardless of the legality of possession of others, credit cards are all acts of impersonation. Therefore, through pick up, storage, and other legal way to obtain mortgage credit card, through fraud, robbery, theft and other criminal means to obtain and use another credit card, in line with fraudulent use of credit card. Borrow other people’s credit card overdraft after refusing to return, it does not line with the fraudulent use of credit card fraud, also does not constitute malicious overdraft credit card fraud, meanwhile we should not ignore the responsibility of the cardholder’s credit card fraud. 【关键词】信用卡诈骗 问题 研究 【英文关键词】Credit Card Fraud Problems Research 【备注】加好友索购全文:1.3.9.9.3.8848 并提供一对一论文写作指导和论文发表委托服务 【目录】信用卡诈骗犯罪相关问题研究 摘要 4-5 Abstract 5 引言 8-9 第一章 盗窃信用卡并使用的行为性质 9-23 第一节 盗窃信用卡并使用行为性质观点的评析 10-15 一、关于牵连犯、吸收犯、结合犯的观点 10-11 二、法律拟制观点的法理质疑 11-13 三、关于构成数罪的观点 13-15 第二节 盗窃信用卡并使用以盗窃论的法理批判 15-18 一、盗窃论对持续犯、连续犯理论的破坏 15-16 二、盗窃论对实践中的问题无法作出合理解答 16-18 第三节 盗窃论的立法与司法解释的冲突 18-20 一、法律规定与司法解释的冲突 18-19 二、司法解释突显出法律规定的不合理性 19-20 第四节 盗窃信用卡并使用行为性质的本质 20-23 一、盗窃信用卡并使用不构成盗窃罪 20-21 二、盗窃信用卡并使用行为是冒用信用卡行为 21-23 第二章 借用他人信用卡透支的行为性质 23-30 第一节 借卡人恶意透支不构成恶意透支型信用卡诈骗 24-26 一、借卡人不具有恶意透支诈骗的主体要件 24-25 二、借卡人缺乏恶意透支诈骗的形式构成要件 25-26 第二节 借卡人透支行为是否当然构成冒用型信用卡诈骗 26-28 一、借卡人“以借为名的骗卡”透支是当然的冒用信用卡行为 26-27 二、借卡透 支不能成立普通诈骗罪 27-28 第三节 持卡人承担出借信用卡恶意透支的刑事责任的合理性 28-30 一、持卡人具备恶意透支的客观要件 28-29 二、持卡人具备恶意透支的主观要件 29-30 第三章 盗窃、借用信用卡并使用性质的实践建议 30-33 第一节 对盗窃信用卡并使用的行为性质建言 30-31 第二节 对借用他人信用卡透支不偿还的行为性质思考 31-33 结语 33-34 参考文献 34-35