信用卡纠纷案件中刑民交叉问题司法应对的实证分析--以上海市黄浦区法院信用卡纠纷案件的处理为视角

发布时间：2018-01-14 17:08

本文关键词：信用卡纠纷案件中刑民交叉问题司法应对的实证分析--以上海市黄浦区法院信用卡纠纷案件的处理为视角　出处：以上海市黄浦区法院信用卡纠纷案件的处理为视角　论文类型：期刊论文

【摘要】：随着信用卡发卡量和信贷额的激增,透支未还金额不断上升,金融风险持续扩大,随着信用卡纠纷案件井喷式增长,出现大量涉嫌信用卡犯罪的情形。然而实务中对信用卡纠纷刑民交叉的处理缺乏明确有效的操作规范,处置尺度难以准确把握,未能有效管控信用卡市场的金融风险。本文谨以上海市黄浦区法院受理的超7万件信用卡民事案件为数据采集蓝本,对其中涉及恶意透支等刑民交叉问题的现状进行实证规整,对相关现象成因及处理方式进行深入分析,并提出完善建议。在保证信用卡市场有序发展的前提下充分发挥刑罚不枉不纵的震慑力,从长远上降低信用卡行业乃至银行业的系统风险。
[Abstract]:With the surge in credit card and credit card volume, overdraft amount not yet rising financial risks continue to expand, with the credit card disputes blowout growth, the emergence of a large number of suspected of credit card crime situation. However, processing of credit card disputes of criminal and civil cross in the practice of the lack of clear and effective disposal practices, difficult to scale accurately grasp the financial risk of the credit card market has failed to effectively control. This paper is dedicated to the Shanghai Huangpu District court over 70 thousand credit card data acquisition based on civil cases, the situation involving malicious overdraft of criminal and civil cross problems including empirical regularity, in-depth analysis of relevant causes and treatment methods, and put forward suggestions. In order to give full play to the penalty justly deterrent premise of the orderly development of the credit card market, from a long-term lower credit card industry and banking industry System risk.

【作者单位】：上海市黄浦区人民法院;上海市第一中级人民法院;
【分类号】：D923;D924
【正文快照】： 当前,随着信用卡发卡量和信贷额的迅猛增长,信用卡的逾期偿还信贷总额亦逐年递增,金融风险持续扩大。截至2016年第二季度,我国信用卡在用发卡量为4.73亿张,授信总额为8.05万亿元,同比增长25.44%;其中,信用卡逾期半年未偿信贷总额480.57亿元,环比增长4.91%,占信用卡应偿信贷余

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