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近年,随着国内信用卡的普及和运用,其安全防范问题日趋尖锐。为此,我们特选几个典型案例进行分析,以期引起人们的关注和重视。 【案例一】李×,男28岁,1995年11月在中行陕西省分行信用卡部申办长城卡,当时手续齐全。领卡当日在卡内存有1千元备用金。1995年12月中旬,银行在三天之内突然连续收到从西安市内各中行储蓄所划来李×的借记报单60多笔,且每笔金额均在授权限额以内,合计透支额达3万多元。这种不正常的套现行为立即引起银行的注意,遂通知持卡人补款。但该持卡人在补足透支额仅一星期后,故技重演,不到一个月又取现、消费一百多笔,透支6万元。针对这种情况,银行果断将其卡注销。在追透过程中,李×自称生意做赔,目前经济紧张,但表示一定还款。鉴于李×认识态度较好,银行同意其分期补款。可是在追回4.8万元后,李×突然消失。一波三折,使银行不得不通过公安机关才从李×的担保人手中追回余下的1.2万元透支款。
In recent years, with the popularization and application of domestic credit cards, their security precautions have become increasingly acute. To this end, we select a few typical cases for analysis, with a view to arouse people’s attention and attention. [Case 1] Li ×, male 28 years old, in November 1995 in the Bank of China branch in Shaanxi Province, the Ministry of Credit Card bid to host the Great Wall Card, then complete the formalities. Card on the day of the card has a $ 1000 reserve fund. In mid-December 1995, within a matter of three days, the bank suddenly and continuously received more than 60 debit statements sent to Li by banks in Xi’an, each of which was within the authorized limit. The total overdraft amounted to More than 30,000 yuan. This abnormal behavior of cash immediately caused the bank’s attention, then notify the cardholder reimbursement. However, only one week after the cardholder made up the overdraft amount, the technology reemerged in less than a month and spent more than 100 penbs and overdrafted 60,000 yuan. In this case, the bank decisively canceled its card. In the process of chasing through, Lee × claims that his business is doing his job and is currently in economic strain but said he will repay a certain amount of money. In view of Lee × better understanding, the bank agreed to installment repayments. But after recovering 48,000 yuan, Lee × suddenly disappeared. Twists and turns, so that banks have to pass the public security organs only from Li × guarantor to recover the remaining 12,000 yuan overdraft.