用卡诈骗罪.doc

《刑法学》下 期末考试论文 题 目：信用卡诈骗罪的研究 学 院：政法学院 专 业：法学 姓 名： 学 号： 完成时间： 摘要 自从1985年中国银行在我国境内发行第一张信用卡以来，我国的信用卡方兴未艾，在信用卡的软件和硬件环境、发卡银行和发卡数量及交易金额等方面均取得了长足的进步，我国也在一步步迈向“塑料货币”的时代。 作为一种非现金支付的交易工具，信用卡对国人的消费习惯产生深刻的影响的同时，逐步确立了其作为新兴支付工具的主导地位。然而，伴随着我国信用卡事业的不断发展，信用卡业务存在的一些风险点也逐渐显现出来，信用卡诈骗就是其中最为严重的问题之一。 与普通的财产诈骗相比，信用卡诈骗不论是在犯罪手段、行为方式、侵犯客体还是在社会危害性上都具有自身的特点。目前，我国法律关于信用卡诈骗的规定还很不完善，尤其是在认定某一行为是否是信用卡诈骗的问题上存在着诸多漏洞，为犯罪分子提供了可趁之机。 关键词：信用卡诈骗罪，盗窃罪，伪造并只用信用卡，自动柜员机（ATM）  Abstract Since 1985 the Bank of China in the country issued its first credit card, my credit card the ascendant, credit card software and hardware environment, the number of card-issuing banks and the card issuer and transaction value has made great progress, we, too, in a step by step towards plastic money era. As a tool of non-cash payment transactions, credit cards have a profound impact on peoples consumption habits at the same time, gradually established itself as an emerging dominance of the payment instrument. However, with the continuous development of Chinas credit card business, some of the credit card business risk point also came to the fore, credit card fraud is one of the most serious problems. Compared with the ordinary property fraud, means, modes of behaviour both in the crime of credit card fraud, violation of the object was on the social harm that has its own characteristics. At present, the legal provisions relating to credit card fraud in China is far from perfect, especially on whether certain conduct is perceived as there are many loopholes in the issue of credit card fraud, criminals can take advantage of the machine. Key words: Credit card fraud、Theft、Forge and use credit card、Automatic teller machine（ATM）  目录 摘要 I Abstract II 引言 1 一 信用卡诈骗罪的概念和特征 2 （一） 信用卡诈骗罪的概念 2 （二） 信用卡诈骗罪的特征 3 1.犯罪主体 3 2.犯罪主观要件 4 3.犯罪客体 4 二 信用卡诈骗罪与近似罪的比较 5 （一）信用卡诈骗罪与盗窃罪的