本文選題：延邊地區(qū) + 信用卡詐騙　； 參考：《延邊大學(xué)》2017年碩士論文

【摘要】：信用卡使用普及化已經(jīng)成為大勢(shì)所趨,央行發(fā)行的《2016年支付體系運(yùn)行總體情況報(bào)告》顯示,截至2016年末,人均持有信用卡0.31張,同比增長(zhǎng)6.27%。不可否認(rèn),信用卡的優(yōu)勢(shì)漸漸凸顯,其不僅可以解決急需現(xiàn)金的燃眉之急,同時(shí)消費(fèi)刷卡也相對(duì)安全,而且最重要的是其方便與快捷性,比如說(shuō)在國(guó)外消費(fèi)可以直接刷卡并省去了兌換外幣與整錢(qián)找零的麻煩,除此之外,銀行推出的各種信用卡,都附帶著一些促進(jìn)刷卡消費(fèi)的增值服務(wù),如現(xiàn)金回報(bào)、抽獎(jiǎng)、購(gòu)物折扣、免費(fèi)保險(xiǎn)、旅行服務(wù)、個(gè)人理財(cái)報(bào)告等等。但正所謂"尺有所短寸有所長(zhǎng),物有所不足智有所不明",看到其優(yōu)勢(shì)之時(shí),我們還必須看到其所帶來(lái)的廣泛利用所隨之帶來(lái)的濫用現(xiàn)象,近年來(lái)信用卡濫用現(xiàn)象也水漲船高,惡意透支等現(xiàn)象屢見(jiàn)不鮮。近年來(lái),延邊地區(qū)經(jīng)濟(jì)發(fā)展迅速,延邊人民消費(fèi)水平和消費(fèi)能力都得到相應(yīng)的提升,信用卡業(yè)務(wù)在隨之而來(lái)的在延邊地區(qū)得到了普及,但與此同時(shí)的是信用卡詐騙犯罪呈大幅上升趨勢(shì),可以說(shuō),延邊地區(qū)信用卡犯罪情況與全國(guó)范圍內(nèi)的信用卡使用的整體情況基本趨于一致,而信用卡詐騙犯罪已成為當(dāng)前延邊地區(qū)金融犯罪的高發(fā)類型,并日益受到理論學(xué)界以及公檢法等司法機(jī)關(guān)的重視。據(jù)延邊州中級(jí)人民法院的統(tǒng)計(jì),2016年延邊地區(qū)信用卡詐騙犯罪數(shù)量達(dá)50件,同比增長(zhǎng)138.1%。這說(shuō)明延邊地區(qū)的金融環(huán)境已經(jīng)逐步遭受腐蝕,解決問(wèn)題迫在眉梢。本文以延邊地區(qū)2012年到2016年五年間兩級(jí)法院審理的信用卡詐騙罪的案件數(shù)據(jù)為基礎(chǔ),加以分析典型案例,從信用卡詐騙罪的概述入手,總結(jié)分析近五年的數(shù)據(jù),并分別根據(jù)犯罪數(shù)量的總體趨勢(shì)、犯罪多發(fā)縣市、犯罪主體情況以及犯罪手段情況加以研究得出延邊地區(qū)近五年信用卡詐騙犯罪的研究結(jié)論,即信用卡詐騙犯罪多發(fā)于人口多、經(jīng)濟(jì)發(fā)達(dá)的縣市;犯罪主體以青中年、有基本文化程度、無(wú)固定職業(yè)為主且未與民族人口數(shù)量成正比,朝鮮族犯罪主體較少;犯罪手段以惡意透支型占絕大多數(shù),其他犯罪手段占少數(shù)。隨后筆者著重分析延邊地區(qū)近年來(lái)信用卡詐騙犯罪高發(fā)原因包括國(guó)家立法層面、社會(huì)意識(shí)層面、發(fā)卡銀行層面、個(gè)人防范層面以及延邊州公檢法機(jī)關(guān)宣傳不到位,并最終根據(jù)上述幾個(gè)層面給出合理的建議,以期能在真實(shí)數(shù)據(jù)的基礎(chǔ)之上結(jié)合學(xué)界理論與個(gè)人觀點(diǎn),為延邊地區(qū)信用卡詐騙罪的打擊和防范上增添一份力量,營(yíng)造出良好的延邊金融環(huán)境。
[Abstract]:The popularity of credit card use has become a general trend, with the central bank issuing the General report on the Operation of the payment system for 2016, showing that by the end of 2016, 0.31 credit cards were held per capita, an increase of 6.27 percent over the same period last year. Undeniably, the advantages of credit cards are becoming increasingly prominent. They can not only solve the urgent need for cash, but also make it relatively safe for consumers to swipe their cards, and most importantly, their convenience and rapidity. For example, in foreign countries, we can use our credit cards directly and save the trouble of changing foreign currencies and changing change. In addition, all kinds of credit cards introduced by banks are accompanied by some value-added services to promote the consumption of credit cards, such as cash returns and raffle. Shopping discounts, free insurance, travel services, personal financial reports, and so on. When we see its advantages, we must also see the abuse brought about by its extensive use. In recent years, the abuse of credit cards has also increased. Malicious overdraft and other phenomena are common. In recent years, the Yanbian area economy develops rapidly, the Yanbian people's consumption level and the consumption ability are all obtained the corresponding enhancement, the credit card business has obtained the popularization in the Yanbian area subsequently, But at the same time, the crime of credit card fraud is on the rise. It can be said that the situation of credit card crime in Yanbian area is basically in line with the overall situation of credit card use in the whole country. Credit card fraud has become the current high incidence of financial crimes in Yanbian area, and has been paid more and more attention by the academic circles, public security bureau, procuratorate, court and other judicial organs. According to the Yanbian Intermediate people's Court, the number of credit card fraud crimes in Yanbian region reached 50 in 2016, an increase of 138.1 percent over the same period last year. This shows that the financial environment in Yanbian area has gradually suffered corrosion, solve the problem in eyebrow. Based on the case data of credit card fraud in Yanbian area from 2012 to 2016, this paper analyzes the typical cases, summarizes and analyzes the data of nearly five years from the overview of the crime of credit card fraud. And according to the overall trend of the number of crimes, crime prone counties and cities, crime subjects and criminal means to study the situation of Yanbian area in the past five years of credit card fraud crime research conclusions, that is, credit card fraud crime in the population, Economically developed counties and cities; the main body of crime is youth and middle age, has basic education, has no fixed occupation and is not directly proportional to the number of ethnic population, the Korean nationality crime subject is less, the crime means to malicious overdraft type accounts for the vast majority, Other criminal means are in the minority. Then the author emphatically analyzes the reasons for the high incidence of credit card fraud in Yanbian area in recent years, including the level of national legislation, social consciousness, credit card issuing bank, personal prevention, and Yanbian prefecture public security bureau, procuratorate, court organ propaganda is not in place. And finally according to the above several levels to give reasonable suggestions, in the hope of combining the academic theory and personal views on the basis of real data, Yanbian area credit card fraud for the crackdown and prevention of a force, Create a good Yanbian financial environment.
【學(xué)位授予單位】：延邊大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D924.3

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