银行卡作为一种全新的金融工具在人们经济生活中的运用虽然较晚,但利用银行卡进行诈骗犯罪的活动却已渗透到社会的方方面面。银行卡在我国也即信用卡,而且是具有中国特色的信用卡。目前在我国利用银行卡进行诈骗犯罪活动具有作案手段和形式的多样性、犯罪行为的智能性、活动方式的欺骗性、犯罪后果的严重危害性以及犯罪活动的连续性等显著特点。针对当前我国利用银行卡犯罪的活动情况,可从以下几个方面采取防控对策:完善立法,坚决打击银行卡诈骗犯罪行为;加强协作,互通情报信息;提高对银行卡诈骗犯罪活动社会危害性的认识;加强和规范管理,完善各项监督制约机制;公、检、法三机关统一思想,严厉打击,不断提高执法力度,维护社会正常的经济秩序。 Although the application of bankcard as a brand new financial tool in people’s economic life is relatively late, the use of bankcards for fraud crimes has infiltrated all aspects of society. Bank card in our country is also a credit card, but also a credit card with Chinese characteristics. At present, the use of bank cards in China to carry out criminal fraud has the crime tools and forms of diversity, the intelligence of criminal behavior, the deceptive nature of the activities, the serious consequences of criminal consequences and the continuity of criminal activities and other notable features. In view of the current situation of bank card activities in our country, we can take measures to prevent and control the crime from the following aspects: improve legislation, resolutely crack down criminal activities of bank card fraud; strengthen coordination and exchange of intelligence information; and enhance the social harmfulness of bank card fraud criminal activities ; Strengthen and standardize the management and improve the supervision and control mechanisms; and the three organs of public security, prosecution and law unify their thinking and crack down on them so as to continuously improve law enforcement and safeguard the normal economic order in the society.