The Causes And Preventions Of Credit Card Crime

Credit card crime, as a social phenomenon, is associated with the emergence, development and appearance of the credit card. In recent years, along with the continuous development of the economy in our country, the credit card industry in commercial bank flourishes, commercial banks have issued different kinds of credit cards with their characters. All at once, all sorts of function, various names credit cards were everywhere. Credit cards bring great convenience to people's daily life, also give opportunities to criminals for using new tools for crime. Credit card crime problem arises gradually.With the growing popularity of the credit cards in our country, credit card crime situation is also becoming serious. Different from before common economic crimes, credit card crime characterized by the times, a high level of complexity, potential concealment and the height of the dangers. Criminals often act by network technology and other high-tech crime means and tools. Crime organizations division also more closely, and appear collectivization and transnational trend. All of these make credit card crime detection and prevention becomes more difficult. How to control and prevent the credit card crime effectively has become an important problem to the justice department and financial institutions to be resolved.At present, in the field of the criminal law,the papers about credit card crime are more. Among them, most papers focus about credit card fraud, to discuss the credit card crime from the legislative explanation and judicial cognizance angles.The author who analyzes the credit card crime from the class charge of crime in the context of criminology,can not be found.This article begins from credit card and credit card crime, and then summarizes the situation and characteristics of credit card crime, analyzes the reasons of credit card crime, finally sums up the prevention and control countermeasures of credit card crime. The article is divided into three parts, totaling almost 24000 words.The first part, credit card crime overview. In this part, the author analyses the concept of credit card in finance, criminal law, criminology and so on, and eventually gets the answer that the concept of credit should not contain debit card. On this basis, the author analyzes the concept of credit card crime, the characteristics and status quo of the credit card crime.The second part, the cause of credit card crime. Because the studies and discusses about credit card crime problems in the field of criminology in our country are not fully, academic theories about credit card crime causes are almost none. The theories can be found mostly discuss credit card crime from the angle of economic and financial crimes causes. The author selectes severals at home and abroad which have representatives and reference significance from these theories, attempts to seek a macroscopic aspect of new research path of credit card crime causes. In the basis of criminology, the author analyzes the main reason of the credit card crime from the angles of macro and micro, from five aspects of society, management, law, criminal and the victim.The third part, credit card crime prevention. In this part, the author puts forward the difficulties and major problems about credit card crime prevention.Finally, the author sums up credit card crime prevention and control countermeasures from six aspects, such as criminal legislation, departments cooperation, technical prevention, tendenciou education and so on.