The Credit Card Crime Of Fraud Of The Yanbian Region Empirical Investigation And Countermeasures Research

The popularity of credit cards has become a trend,the central bank issued the 2016 payment system to run the overall report shows that as of the end of 2016,per capita credit card holders 0.31,an increase of 6.27%.Admittedly,the credit card advantage gradually,which not only can solve the urgent needs of cash and credit card spending is as pressing danger,relatively safe,but the most important is that it is convenient and fast,for example in the foreign consumer can direct credit card and save foreign exchange and change the whole money trouble,in addition,a variety of credit the Bank launched the card,all with some promote consumer credit card value-added services,such as the return on cash,lottery,shopping discounts,free insurance,travel services,personal financial report etc..But it is the so-called money shortage of intellectual Sometimes an inch may prove long,everyone has his own advantages,some unknown",see its advantages,we must also see the abuse caused by the extensive use of the resulting credit cards in recent years,the phenomenon of abuse is rising.In recent years,the rapid economic development in Yanbian,Yanbian people's consumption level and the ability to have a corresponding increase,but also brings the development and popularization of Yanbian credit card credit card business,the attendant is the credit card fraud crime showed a significant upward trend,it can be said that the overall situation in Yanbian area of credit card crime with the nationwide use of the credit cards are basically the same,and credit card fraud has become the current financial crimes in Yanbian high incidence of type,and increasingly in academic circles,public security and other judicial attention.According to the Yanbian intermediate people's court statistics,in 2016 the number of credit card fraud in Yanbian area reached 50,an increase of 138.1%.This is the Yanbian area of the financial environment has been gradually eroding,solve the problem of the edge.Based on the case data of Yanbian area in 2012 to five years in 2016 two trial court of credit card fraud and in-depth analysis of the typical case,summarized from the crime of credit card fraud with the analysis of the data for the last five years,and according to the general trend,the number of crimes of the crime of multiple counties,subject of crime and crime the means to study the conclusion in Yanbian in recent five years,the credit card fraud crime,the crime of credit card fraud is more common in population,economic developed cities and counties;the subject of crime in young and middle-aged,basic education,no fixed occupation and not proportional to the number of minority population,the main Korean crime is less;by means of crime of malicious overdraft crime accounted for the vast majority of other means of minority.Then the author focuses on the analysis of the Yanbian area in recent years the credit card fraud crime reasons including the national high legislative level,level,social consciousness level,individual level against the issuing bank and the Yanbian public security organs publicity is not in place,and finally according to the above several aspects give reasonable suggestions,in order to be based on the real data of the combination theory with the personal point of view,to combat and prevent the Yanbian area of credit card fraud on the addition of a force,creating a good financial environment in Yanbian.