On The Current Problems Of Credit Card Fraud

With the commercial banks and credit card business credit card to use the rapid development of the wider range, more and more people will carry credit cards as payment. People no longer need to carry large amounts of cash, just bring a small card, almost able to meet the entertainment, dining, shopping, accommodation and all other needs. Meanwhile, all kinds of crimes like credit card fraud mushroomed constantly growing and spreading, it is no exaggeration to say that the current credit card fraud and theft have been, drug trafficking crimes, become crime one of the most frequently criminal cases.However, credit card fraud, after all, the market economy to a certain stage its relations with theft, drug offenses Deng Chuan Tong natural Fanmai committed Xiangbi, Chuxian hours later, involved in credit card operations management to many administrative regulations and sometimes produce the phenomenon of Civil and Criminal Cross, so the judiciary in the process of credit card fraud cases encountered certain difficulties.To address some of the administration of justice difficult problems, so that the same behavior with the same punishment, the legislature and the judiciary were explained through legislation and judicial interpretation of the way, the judicial practice of credit card fraud involving some of the common issues explanations. December 29, 2004, NPC Standing Committee passed "on interpretation of the provisions of the credit card" credit card will be defined in the Criminal Law "by commercial banks or other financial institutions have issued payment cards, credit loans, Transfer the balance sheet, access to cash, and all or part of the functionality of electronic payment cards, "clearly the criminal law's credit card is different from the People's Bank in 1999" issued by bank card business management approach "referred to in the credit card, which also includes the debit card account. December 16, 2009, the Supreme People's Procuratorate jointly issued the "credit card management on the handling of criminal cases prejudice the specific application of the law interpretation of a number of issues" (hereinafter referred to as "credit card to explain") implemented, it provides a masquerade The specific form of overdraft clearly malicious, components, defines what constitutes cheating to use a false identification card, credit card fraud on the judicial practice has played a great role.However, the "credit card to explain," appeared on the judicial practice still limitations and some problems, and even their "cut" mandatory under the law misleading the judiciary, the judicial practice of this article by credit card fraud there are a number of common sort out the problem, research, and to be able to improve the quality of case handling credit card fraud to provide some enlightenment.