信用卡诈骗罪研究 摘要：信用卡业务的蓬勃发展，使信用卡诈骗罪也呈现多发的态势，我国立法的规定在一定程度上打击了此类金融犯罪，然而，作为一种新型智能犯罪，其专业性和高科技性的大大增强以及立法的滞后性还不能从根本上做到对犯罪分子的惩罚，甚至在某些立法方面的空白和漏洞，为信用卡诈骗罪活动提供了可乘之机。为此，面对理论和司法界的种种争议，着重从以下四个方面研究本罪：一是信用卡诈骗罪概述；二是信用卡诈骗罪的犯罪构成；三是信用卡诈骗罪若干疑难问题的司法认定；四是我国信用卡诈骗罪的立法完善。
关键字：信用卡;诈骗罪;信用卡诈骗罪;恶意透支;单位犯罪
Study on the Credit Card Crime of Fraud
Abstract: The vigorous development of the credit card business makes credit card fraud crime also render more hair of situation .The rules of legislation in our country has combated against this kind of crime in certain degree. However, as a new intelligent crime, its profession and high-tech has greatly enhanced and lagged legislation cannot prevent this kind of crime basically, even in some blanks and vulnerability in legislation provide opportunity to credit card fraud crime .Therefore , to deal with the disputes of theory and judicial , the text focuses on the following four areas to study the crime : The first is the introduction to the credit card crime of fraud; Second, the credit card crime of fraud crime constitution; Third , the credit card crime of fraud of the several problems of justice; Last but not least is the credit card crime of fraud legislative consummation in China.
Keywords: Credit card；Crime of fraud；The crime of credit card fraud； Overdraft with theft；Crime unit
目 录
摘 要 1
Abstract 1
一、信用卡诈骗罪概述 2
（一）信用卡概念 2
（二）信用卡诈骗罪的概念 3
二、信用卡诈骗罪的构成要件的认定 4
（一）信用卡诈骗罪的客体 4
（二）信用卡诈骗罪的客观方面 5
（三）信用卡诈骗罪的主体要件 8
（四）信用卡诈骗罪的主观方面 9
三、信用卡诈骗罪中其他若干问题的司法认定 9
（一）盗窃他人信用卡并使用的认定问题 9
（二）利用职务便利实施信用卡犯罪的认定问题 11
（三）信用卡诈骗罪与非罪的界限 12
四、信用卡诈骗罪立法完善之构思 13
（一）关于增设单位犯罪主体的立法建议 13
（二）关于增设出售伪造的信用卡的立法规定 13
参考文献 16
致 谢 17，3050