中国信用卡诈骗犯罪特点及成因解析

On the Characteristics and Causes of Credit Card Fraud in China

中国信用卡诈骗罪是指违反了刑法一百九十六条之规定,共有五种类型:使用伪造的信用卡;使用虚假身份证明骗领的信用卡;使用作废的信用卡;冒用他人的信用卡;恶意透支;也可分为两大类,实际持卡人和非持卡人的信用卡诈骗。信用卡诈骗罪主要是指信用卡使用过程产生的犯罪行为,与之相关还有伪造、变造金融票证罪;违反信用卡管理罪;盗窃信用卡,窃取、收买或者非法提供他人信用卡信息罪,非法经营罪等等。近十年数据表明,信用卡诈骗案件持续高发,其中绝大多数案件是恶意透支。审视其原因主要有以下几种:个人信息的泄漏;银行卡的滥发,脆弱的银行监管,IC卡的普及缓慢和普通民众缺乏教育。

Credit card fraud is a violation of the article 196 of Chinese criminal law in China. Under criminal law, there are five types of credit card fraud： using fake credit cards, using fraudulent credit cards with fraudulent identification, using invalid credit cards, using other people’s credit cards and malicious overdrafts. It can also be divided into two categories： real cardholder and unreal cardholder fraud. Credit card fraud mainly refers to criminal acts arising from the use of credit cards. It is also related to the crime of forgery or alteration of financial tickets; violation of credit card management; theft of credit cards, theft, purchase or illegal provision of credit card information of others, and illegal business operations. Data from the past decade show that credit card fraud cases are rising, but the vast majority of cases are malicious overdrafts. There are several reasons for reviewing the following： leakage of personal information; spamming of bank cards, fragile bank supervision, slow adoption of IC cards, and lack of education for ordinary people.