当前银行卡违法犯罪的新特点

当前,银行卡违法犯罪对社会的危害越来越严重,犯罪手段呈现多样化趋势,综合起来可归纳为银行卡盗刷、银行卡伪造、银行卡恶意套现三大类。银行卡违法犯罪新特点是:以盗卡号为目的的犯罪手段多样化,不断翻新,防不胜防;采用高科技手段,犯罪手法趋向智能化;借助互联网盗取银行卡资金,并在网上消费或洗钱;利用异地取现,雇佣取现,团伙和网络虚拟团伙作案;利用信用卡大量恶意违规套现。面对新的银行卡违法犯罪活动,持卡人、银行、银监局以及公安机关等部门,都应该从各自的职责范围内防范银行卡诈骗行为,共同营造良好的金融环境。

New Traits of Nowaday Crimes of Bank Cards

With the development of social economy,the crime of bank cards do more and more harms to the society.It has more and more methods which can be divided into three types: swiping a card illegally,faking a card and overdrawing balefully.The new traits of card crime include: criminal methods aiming at stealing card numbers become various and are updating so as to make it impossible to defend effectively;criminal methods tend to be intelligentized by adopting high-tech;to steal the cash on bank cards and consume or do money laundering with the aid of Internet;to commit the crime by drawing money from other places or hiring other people,and to commit with a gang or an Internet virtual gang;to overdraw balefully and greatly using credit cards.Facing the new crimes of bank cards,the card owners,banks,bank supervision departments and public security departments should guard against the swindles of bank cards from their duties and create together a good financial environment.