恶意透支型信用卡诈骗案实证分析

Empirical Analysis on Credit Card Fraud Committed by Means of Malicious Overdraft

恶意透支型信用卡诈骗案件作为常见多发的典型轻微刑事案件,具有行为主体集中、作案手法固定、挽回损失率高等特点,但由于对该类型案件的法律适用存有诸多争议、对证据标准的认识不统一,原本应得到快速处理的该类案件,常常久拖不决,影响了诉讼效率和诉讼公正的实现,也不利于保障犯罪嫌疑人合法权益。为此,应积极协调侦查机关,统一证据标准和入罪门槛,保障案件迅速得到审查办理,同时注重发挥检察机关法律监督职能作用,遏制部分商业银行信用卡诈骗案件高发趋势。

As a typical example of minor criminal offense,credit card fraud committed by means of malicious overdraft is characterized with centrality of the subject of crime,stability of criminal means and high -proportion of the crime loss retrieving.For the existence of disputes on the law application and different understanding on the evidence standards,cases that should be quickly solved are sometimes delayed,thus affecting the efficiency and fairness of criminal procedure,also the legitimate rights of the suspects.Hence,investigation departments should be better coordinated,and evidence standards and incrimination set -up should be integrated in order to guarantee promptly investing and solving of criminal cases.The legal supervision function performed by procuratorial organ should also be highlighted to contain the increasing trend of credit card fraudulent crimes concerning commercial banks.