南 京 工 业 大 学
本科生毕业论文
题目： 信用卡诈骗罪研究
姓名： xxx 学号： 08060450 院（系）： 法学院 专业： 法 学
指导教师： xxx 职称： 副教授
二0一二 年 六 月
信用卡诈骗罪研究
08060450 2008级法学2班 xxx
【摘要】我国信用卡市场起步较晚，目前正处于高速发展的阶段，随着发卡量的持续快速增加，信用卡业务经营风险和欺诈行为逐渐上升，严重影响了国家对信用卡市场的管理秩序，给国家和金融机构造成了极大的损失。我国1979年刑法尚未涉及这一领域，信用卡诈骗罪是1997年刑法中新增的罪名。虽然信用卡诈骗罪已经纳入了我国刑法之中，并且在司法解释中也作出了相关的规定，但是现实中与信用卡诈骗有关的争议问题还是很多，给司法实践造成了诸多困难。信用卡诈骗犯罪是一种较为新型的金融类犯罪，所以我们应该在了解的基础上更加重视其中隐藏的问题，并且各抒己见，从而使得相关立法能够不断发展和完善。本人将从信用卡诈骗的概念入手，结合国内外的有关立法和学说，分析各种情形的信用卡犯罪的定性以及罪数研究。
【关键词】信用卡；信用卡诈骗；构成条件；司法认定；对策
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Research on the crime of credit card
Abstract：The credit card market in China started late, the current is in a high-speed development stage, with the issuing volume continued to increase rapidly, the credit card business risks and a gradual increase in fraud, serious impact on the state of the credit card market management order, to the country and the financial institution has caused a great loss. Our criminal law in 1979 has not been related to this field, credit card fraud is a criminal law of 1997 new charges. Although the credit card fraud has been incorporated into the criminal law of our country, and in the judicial interpretation have also made relevant provision, but in reality with the credit card fraud related to the still many controversial issues, to the judicial practice caused a lot of trouble. Credit card fraud is a relatively new type of financial crime, so we should pay more attention in understanding on the basis of which the hidden problem, and each airs his own views. So that the relevant legislation, able to continuously develop and perfect. I will from the credit card fraud concept, combining the domestic and foreign related legislation and the theory, analysis of various cases of credit card crimes and crimes of qualitative research.
Key words: Credit card；financial crime；crime of credit card fraud；judicial practice；theory of criminal law
目 录
摘 要??????????????????????????????ⅰ Abstract ????????????????????????????ⅱ
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引 言??????????????????????????????1 一、 信用诈骗罪概述????????????????????????1 二、 信用卡诈骗罪国内外相关立法????????????????‥?2 （一）信用卡诈骗罪的国外立法现状??????????????????2 （二）信用卡诈骗罪的国内立法过程??????????????????3 三、信用卡诈骗犯罪研究构成研究??????????????‥?‥??5 （一）信用卡诈骗罪的主体??????????????‥?‥?????5 （二）信用卡诈骗罪的主观方面????????????‥?‥?????6 （三）信用卡诈骗罪的客体?????????????????????6 （四）信用卡诈骗罪的客观方面????????????????????7 四、信用卡诈骗罪的司法认定?????????????????????11 （一）盗窃信用卡并加以使用行为的认定????????????????11 （二）拾得信用卡并加以使用行为的认定????????????????12 （三）盗划信用卡的认定???????????????????????13 五、关于信用卡诈骗罪我国应当如何采取措施??????????????13 （一）制定统一的信用卡管理制度 ??????????????????14 （二）完善相关立法?????????????????????????14 （三）国家应出台相关法律政策加强对银行从业人员的管理????????14 （四）加大对信用卡诈骗罪惩治力度和宣传力度?????????????14
根据《刑法》第196 条的规定，信用卡诈骗罪，是指以非法占有为目的，利用信用卡，虚构事实、隐瞒真相,骗取公私财物数额较大的行为。何为信用卡？根据全国人大将对刑法规定的“信用卡”赋予了明确含义：由商业银行或者其他金融机构发行的具有消费、信用贷款、转账结算、存取现金等全部功能或者功能
