新型支付方式下网络侵财犯罪性质认定的新思路

New Way of Identifying Nature of Online Property Crime under New Payment Method

新型支付平台功能多样化导致司法人员对网络侵财行为性质识别不清,新型支付过程中参与主体多元化导致刑民关系混淆。新型支付方式下网络侵财犯罪的司法认定应当关注"行为"本身,并且应当实现"同案同判"。新型支付平台可以"被骗"具有技术、理论和法律基础。新型支付平台从事的是金融业务,包括信用卡支付业务和小额贷款业务。新型支付方式下网络侵财犯罪不仅侵犯了他人的财产权,也侵犯了金融管理秩序。如果行为人利用新型支付平台的支付功能实施侵财行为,应当认定为信用卡诈骗罪。如果行为人利用新型支付平台的贷款功能实施侵财行为,应当认定为贷款诈骗罪。

Absrtact: The diversified functions of the new payment platform led to the judicial personnel’s unclear identification of the nature of online property crime, and the diversified participants in the new payment process led to the confusion between criminal and civil relations. Under the new payment method, the judicial cognizance of online property crime should pay attention to the "behavior" itself, and should realize "the same case and the same sentence". New payment platforms have technical, theoretical and legal basis for being "duped". The new payment platforms engage in the financial business, which includes credit card payments and small loans. Under the new mode of payment, the online property crime not only violates the property rights of others, but also violates the financial management order. If the actor makes use of the payment function of the new payment platform to carry out online property crime, it shall be recognized as the crime of credit card fraud. If the actor makes use of the loan function of the new payment platform to carry out online property crime, it shall be recognized as the crime of loan fraud.