冒用型信用卡诈骗洗钱的防范对策——基于典型案例研究

The Countermeasures of Preventing Fraudulent Use of Credit Card Fraud——Research Based on a Typical Case

冒用他人信用卡是信用卡诈骗的一种常见形式。近年来,我国冒用型信用卡诈骗案件频发,严重危害人民群众财产安全与合法权益。冒用型信用卡诈骗犯罪具有获利性的特点,使得洗钱活动往往与之相伴而生。本文通过剖析一起冒用型信用卡诈骗洗钱典型案例,揭示了犯罪分子通过金融机构获取、转移、清洗受害人资金的操作手法,并指出金融机构在防范方面存在的问题,最后提出对策建议。

Fraudulent use of credit cards is credit card fraud in the form of a common criminal. In recent years, the type of fraudulent use of credit card fraud occurs repeatedly in china, which seriously infringed on the property security and legitimate rights and interests of the masses. Fraudulent use of credit card fraud has the feature of profitability, which makes money laundering accompanies with it. In this article, the author analysis a typical case of fraudulent use of credit card fraud, reveal the trick which the criminals take to defraud、transfer and convert the victims＇ money through the financial institutions, point out the problem of financial institutions, and finally provide countermeasures and suggestions.