Yesterday, the Shanghai Higher People's Court held a financial trial briefing, and notified the banking, insurance, securities and other financial regulatory authorities and financial institutions of the 2011 Shanghai court financial business, criminal trials and published a series of white papers on financial trials, and released the 2011 financial trials. Big case. According to the Shanghai court's 2011 criminal trial of credit card crimes, in recent years, credit card crimes such as stealing, buying, illegally providing credit card information, nuisance credit card management, credit card fraud, illegal use of POS machines, etc. have been in a high incidence and multiple occurrences. Among them, the number of credit card fraud crimes is still relatively large, accounting for 94.6% of credit card crimes, accounting for 82.5% of all financial crimes. In the crime of credit card fraud, one person has more cards and “cards to raise cardsâ€, and malicious overdrafts account for the vast majority. In 2011, the city concluded 29 cases of illegal business crimes illegally cashed out using POS machines, involving a total amount of 476 million yuan. The self-employed person, the person in charge of the company, especially the person in charge of the building materials company, rents out, lends, or illegally cashes the credit card holder. The criminals buy or lease the POS machine or the virtual company applies for the POS machine to illegally cash out the credit card holder. It is a major means of committing a crime to charge a certain fee. In addition, stealing, buying, illegally providing credit card information crimes and nuisance credit card management crimes, although not large, are clearly growing. The use of overseas credit cards or counterfeit overseas credit cards for malicious overdrafts in the country, foreigners to implement credit card fraud in the country, and foreigners colluding with Chinese to implement credit card fraud have continued to occur. Some criminals combine the technology of pseudo-card production with high-tech, or recruit customers through the network, implement credit card fraud, illegal cash-out, etc., which is concealed and difficult to investigate. In some cases, criminals work together and cooperate with each other to form an “line-line operationâ€. With the emergence of "card-raising companies" and "swipe-card companies", from the acquisition of credit card information, ID card information to forgery, fraudulent credit card and illegal cash-out, the industrialization trend from the application of credit card to illegal cash-out to achieve malicious overdraft is obvious. Some credit card cashings are intertwined with illegal crimes such as card-raising, loan-selling, money laundering, and fraud. In this industry chain, POS machines have become an important part. The court held that some banks violated the regulations for their own interests and lowered the threshold for the establishment of special merchants for POS machines. After the approval of the establishment of the POS machine, the supervision is not in place or even absent, resulting in the phenomenon of “swipe the card companyâ€, renting and selling the POS machine, and the identification and control of the fraud risk in the abnormal transaction, so that the POS machine realizes the credit card consumption function. At the same time, it is easy to become a tool for implementing credit card crimes. Some industrial and commercial departments have not reviewed the regulations and the supervision has not been in place. It has created conditions for the lawless elements to apply for a POS machine for the illegal listing of the company. Since the banking system and the tax system information sharing mechanism are not perfect, and the merchants who have less sales revenue but apply for the POS machine are not the focus of tax auditing, the tax authorities are often unable to effectively monitor the POS machine cashing of these merchants.
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