信用卡犯罪的刑法规制

Criminal Regulation of Credit Card Crime

信用卡作为一种非现金交易付款方式,在为民众生活带来极大便利的同时也滋生了一系列犯罪问题;时至今日,其已然成为刑法规制的重点对象。我国现行刑法把信用卡和个人信息资料作为信用卡犯罪的主要规制对象,信用卡犯罪行为类型包括信息类、伪造类、妨害类、诈骗类和盗窃类,其规则体系已较为完备,但仍有不足之处亟待改进。刑法规定中的信用卡应与金融领域的信用卡内涵保持一致,不应包括借记卡。制造信用卡的机器、设备和材料等应纳入刑法规制范畴,严密打击信用卡犯罪的刑事法网。

Credit card,as a cashless payment transaction,can bring great convinces to people’s lives,but it also leads to series of crimes. Today,it has become the focus of criminal regulation. The credit card and personal information are as the principal objects of regulations. The types of credit card crimes include information,counterfeit,obstruction,fraud and thievery. The regulations of credit card crimes are relatively complete,but there are still some shortcomings needed to be improved. The connotation of credit card in criminal law should be consistent with the connotation of credit card in financial sector. The debit cards should be excluded. Credit card manufacturing machinery,equipment and materials should be included in the scope of criminal regulation. It is important to crack down the crimes of credit card.