（页数：15 字数：10925 毕业论文）摘 要：在中国，随着市场经济的发展,由传统的购物券演变升级形成的代币卡在一些商场等消费场所流行开来。代币卡的发展,给传统的货币政策操作体系、传统的银行信贷制度安排、金融运行安全性等方面带来许多新的风险。同时也影响到我国刑法适用领域，给法律实务工作带来诸多新的问题和挑战。在遵循罪刑法定原则的基础上，运用传统刑法理论对以代币卡为犯罪对象的盗窃犯罪问题进行探析，既是保护公私财产的要求，也是刑法规范现实调整和刑法理论更新的迫切需要。本文在参考和借鉴国内学术界现有研究后，结合我国刑法和司法解释中的有关规定，对盗窃代币卡犯罪既遂、未遂认定问题、量刑问题等进行论述并提出见解。
本文共分三个部分。第一部分，盗窃代币卡犯罪的现状。介绍代币卡的发展状况、定义以及盗窃代币卡犯罪的危害性。第二部分，盗窃代币卡犯罪既、未遂认定标准研究。第三部分，盗窃代币卡犯罪中既、未遂行为分别独立成罪的特殊情形和量刑幅度把握。

关键词：代币卡 盗窃罪 犯罪既遂 犯罪未遂

On the holding of consummated crime and criminal attempt in the larceny of steal the debit cards

Abstract ：Traditional purchasing coupons have been evolved and replaced by debit cards which become more popular in most stores in China as the market-directed economy being further introduced. Accompanying risks caused by the development of debit cards which face traditional currency policy operation system, both traditional bank loan system and monetary and banking security have impacts on applications of the criminal law of China. It hence becomes problematic and challenges the practical adaptations of laws.
On the basis of the principle, “a legally prescribed punishment for a specified crime”, and traditional criminal theory and criminal legislation, probing the issues on debit card crime is not only a requirement to protect the public and private assets, but also an urgent demand for feasible adjustment of the standard of criminal law and the development of the theory of criminal law. Drawing on literatures and referring to China’s criminal law and relevant stipulation of judicial interpretations, this paper discusses attempt or accomplishment, measurement of penalty in the larceny of steal the debit cards, and provides recommendations.
The whole paper has three parts. Part one, the current situation of the larceny of steal the debit cards, introduce the development and definition of debit cards, and the harmfulness of the larceny of steal the debit cards. Part two, the research on consummated crime and criminal attempt in the larceny of steal the debit cards. Part three, the peculiar circumstance and the range of measurement of Penalty on the behavior of attempt or accomplishment ready-made crime respectively in the larceny of steal the debit cards.

Key words: Debit Card; Larceny; Consummated Crime & Criminal Attempt

目 录
摘 要 ……………………………………………………………………… Ⅱ
Abstract …………………………………………………………………… Ⅲ
引言…………………………………………………………………………… 1
一．盗窃代币卡犯罪的现状………………………………………………‥ 2
（一）代币卡的定义及发展状况…………………………………………… 2
1．代币卡的定义………………………………………………………………… 2
2．代币卡的发展状况…………………………………………………………… 3
（二）盗窃代币卡犯罪的现状分析………………………………………… 3
二．盗窃代币卡犯罪中既、未遂认定问题………………………………… 4
（一）代币卡属性问题分析………………………………………………… 6
（二）盗窃代币卡犯罪中既、未遂认定分析………………………………… 7
1．犯罪对象是记名代币卡的盗窃行为…………………………………………… 8
2．犯罪对象是不记名代币卡的盗窃行为………………………………………… 8
三．盗窃代币卡犯罪中既、未遂行为分别独立成罪的特殊情形……… 9
（一）既、未遂行为分别独立成罪的特殊情形分析………………………… 9
（二）量刑幅度把握 ……………………………………………………………… 11
结语………………………………………………………………………… 13
参考文献………………………………………………………………‥ 14
致谢………………………………………………………………………‥ 15

引言
代币卡是西方发达国家在上世纪90年代发展较快的一个产品，经银行的反复尝试后，很快成为一个在货币支付领域和流通领域全面发展的新兴产品，并被广泛运用于百货业和服务业之中。在我国，随着市场经济的不断发展，我国的社会经济成分、组织形式、利益关系和分配方式日趋多样化，加上商品交换法则对政治生活和价值取向的渗透，致使代币卡在全国呈现风靡态势，由传统的购物券演变升级形成的电子代币卡在许多超市和商场中流行开来。[1]但由于多种原因，使代币卡现象成为我国经济发展中一种较为普遍但又极不正常的社会经济现象。
但在代币卡呈现爆发式发展的同时，许多犯罪也指向了这个新兴事物，尤其是盗窃代币卡的犯罪呈多发之势，直接威胁公私财产的安全。我国在此方面的刑法理论和刑法规范的滞后性日益彰显。