我国信用卡诈骗犯罪的新特点及打击对策

New Characteristics of Credit Card Fraud Crime in China and Its Countermeasures

信用卡诈骗犯罪已经成为金融诈骗犯罪的最主要类型,具有占金融诈骗犯罪比重高,主要作案手段是恶意透支,犯罪活动有从沿海向内陆发展的趋势,犯罪金额主要在5~10万元之间,犯罪主体绝大部分为中青年人且学历不高的新特点。其产生的原因主要是犯罪主体追求物质利益,犯罪行为较易实施,以及司法适用情况发生变化。因此,经侦民警应在拓宽案件线索来源和提升自身侦查能力的基础上,建立类罪模型,加大对信用卡诈骗犯罪的打击力度。

As a primary type of financial fraud crime,credit card fraud crime accounts for a large percentage and expands from the coastal areas to the inland.Its main means is malicious overdraw and the amount of money involved is mainly between 50000 yuan to 100000 yuan.The criminal subject is almost middle and young people and their educational background is not high.The main causes include that the criminal subject pursues material interests,the criminal act is easy to be implemented,the legislative interpretation is modified,and the judicial application changes.Therefore,this paper proposes setting up a crime model on the basis of broadening the sources of case clues and improving economic investigation polices’own investigative capacity,in order to intensify the crackdown on credit card fraud crime.