析論信用卡犯罪之處罰

On the Punishment of Credit Card Swindle

1934 年制定之刑法，雖已有偽造罪之規定，惟並未針對偽造信用卡之行為 加以處罰。當信用卡成為一種主要的支付工具後，如何保護交易安全乃成為重 要課題，我國立法院遂於 2001 年制定刑法第 201 條之 1 之規定，以為因應。 在規範適用之解釋部分，雖然一罪一罰可能產生過度處罰，惟於多次信用卡犯 罪的情形，僅評價為一個犯罪，亦存在違反人民法律感情之問題。因此，立法 者有必要於偽造信用卡罪中，明文區分一罪與數罪之標準。就此，美國聯邦刑 事法典第 1028 條第（a）（7）款或可供參考。

The 1934 passed Criminal Code provided forgery offenses, however, it did not punish forgery of credit card. While credit card became a main noncash payment instrument, it was important to protect the transaction safety so the Legislation Yuan enacted Article 201-1 of Criminal Code in 2001. In applying Article 201-1, although charging and punishing each single forgery might result in overcriminalization, only one charge and punishment for multiple credit card fraud violations also infringe the society's feeling of justice. Therefore, it is necessary for the Legislation Yuan to add the applicable rule to distinguish one offense from offenses in credit card swindles. In this perspective, it may take 18 U.S.C. §1028(a)(7) as reference.