论信用卡恶意透支犯罪

On the Crime of Malicious Overdrafting on Credit Cards

当前信用卡恶意透支犯罪日益剧增 ,其表现形式也愈来愈复杂 ,存在着信用卡业务管理的不完善、技术防范手段落后、特约商户把关不严等客观原因 ,因此 ,必须从加强宣传教育、健全风险防范机制、完善技术服务手段、加大打击力度等方面入手 ,才能有效地遏制信用卡恶意透支犯罪。

Crimes of malicious overdrawing on credit cards have been increasing and are becoming more complex due to the management imperfections and the backwardness in the preventing technology. Only if the preventing mechanisms and the technical services are perfected can such crimes be stopped effectively.