银行卡纠纷疑难问题研究

发布时间：2018-01-19 02:20

本文关键词： 格式条款伪卡交易归责原则案由确定　出处：《法律适用》2015年03期 　论文类型：期刊论文

【摘要】：银行卡合同为格式合同。发卡行作为格式条款的拟定方,对免责和限责条款应尽到说明义务,未尽到说明义务的,格式条款应认定无效或可撤销。对于密码交易视同本人交易等格式条款的效力认定,均应遵循格式条款效力的认定原则,而非当然认定有效。伪卡交易情形下,关于发卡行与持卡人的责任认定,在司法实务中出现不同裁判思路的根源在于确定的法律关系和归责原则不同。关于银行卡纠纷案件案由的确定,应注意的是,在2011年修订的《民事案件案由规定》颁布实施后,因申领、使用、注销银行卡而引发纠纷的案件,无论原告是基于合同法律关系还是侵权法律关系提起诉讼,其案由均界定为银行卡纠纷,并依据案涉银行卡的种类为借记卡或者信用卡的不同,将其分别界定为借记卡纠纷或者信用卡纠纷。银行卡纠纷案件涉及刑事犯罪嫌疑的,只要当事人之间存在民商事法律关系,就应当作为民事案件受理,而不应不予受理或者受理后裁定驳回起诉。
[Abstract]:The bank card contract shall be a form contract. The issuing bank shall, as the drafter of the form clause, fulfill the obligation of explanation to the exemption and limitation clause, and fail to fulfill the obligation of explanation. Format terms should be found invalid or vow. For cryptographic transactions and other forms of transactions and other format provisions of the validity of the determination principle should be followed, but not of course the validity of the case. Counterfeit card transactions. Regarding the responsibility of card issuing bank and cardholder, the root of different judgment thinking in judicial practice lies in the different legal relationship and imputation principle. What should be paid attention to is the determination of the cause of bank card dispute cases. After the promulgation and implementation of the revised provisions on Civil cases in 2011, there were cases of disputes arising from the application, use and cancellation of bank cards. Whether the plaintiff is based on the legal relationship of contract or tort legal relationship, the case is defined as a bank card dispute, and according to the type of bank card involved in the case is different debit card or credit card. It is defined as debit card dispute or credit card dispute. Bank card dispute cases involving criminal suspicion, as long as there is a civil and commercial legal relationship between the parties, it should be accepted as a civil case. It should not be rejected or ruled against after accepting the case.
【作者单位】：最高人民法院民二庭;
【分类号】：D922.282
【正文快照】： 近年来,随着银行卡在民商事交易中的广泛使用,因信用卡透支交易、银行卡被盗刷等行为引发的银行卡纠纷案件大幅增加,相应法律问题亟需规范。本文特此对审判实务中出现的相关疑难问题进行研究。一、银行卡合同中格式条款的效力认定(一)实证分析与问题的提出银行卡合同是典型的

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