论信用卡伪卡交易中发卡行民事责任

发布时间：2018-01-22 04:19

本文关键词： 伪卡交易发卡行法律关系民事责任　出处：《首都经济贸易大学》2015年硕士论文　论文类型：学位论文

【摘要】：20世纪80年代,信用卡作为新型金融支付工具进入中国,发展至今,一方面迅速成为了一种广受青睐的信用支付工具。另一方面,信用卡却被一些不法分子利用进行伪卡欺诈交易,曝漏出一定的安全隐患。虽然各大商业银行已全面投入银行卡的升级换代工作中,逐步提高卡片的安全性能。但针对已经发生的伪卡交易纠纷,由于相关法律规制的不足,导致司法实践中对伪卡纠纷中民事责任的认定及承担结果不一,存在诸多争议。本文通过历史、比较分析方法从民事法律关系入手,并考察借鉴域内外相关法律制度,重新构建伪卡交易中发卡行民事责任的认定及承担的基本规则,以期对我国实务中此类纠纷的解决提供相应的理论依据。文章一共分为六部分。第一章是引言。主要介绍了本文研究问题的学术背景、研究意义及写作思路,并对国内外的研究现状进行了文献综述。第二章是伪卡交易中发卡行民事责任认定及承担的现状分析。以信用卡民事纠纷为切入点,引出现行实务中对发卡行民事责任的认定及承担的司法现状及不足。第三章将着重分析伪卡交易中发卡行民事责任的来源。民事责任的界定须从分析民事法律关系入手。首先,重点分析发卡行与持卡人之间形成的民事法律关系。其次,基于该民事法律关系,进一步分析伪卡交易纠纷中发卡行的权利义务的范围。最后,指出在伪卡交易案件中发卡行承担责任是其违反民事义务的必然结果。第四章重点考察美国以及我国台湾地区有关信用卡未授权使用及冒用的民事责任的法律规制,并进一步分析我国在伪卡交易中发卡行民事责任认定及承担规制的不足及借鉴。第五章具体分析我国伪卡交易中发卡行民事责任的认定及承担的基本规则,包括民事责任的性质、归责原则、责任构成及免责事由,并结合本文案例再析发卡行民事责任的承担问题。第六章是结论。根据全文的分析研究以重新构建对伪卡交易中发卡行民事责任的认定及承担的基本规则。
[Abstract]:In 1980s, as a new type of financial payment tool, credit card has developed into China. On the one hand, it has become a popular credit payment tool. On the other hand, credit card has become a popular credit payment tool. However, credit cards have been used by some illegal elements to conduct fraudulent transactions, revealing certain security risks. Although the major commercial banks have been fully engaged in the upgrading of bank cards. Gradually improve the security performance of cards. However, due to the lack of relevant legal regulation, the identification and bearing results of civil liability in counterfeit card disputes are different in judicial practice. There are a lot of disputes. This article through history, comparative analysis method from the civil legal relationship, and review the relevant legal systems within and outside the region. Reconstructing the identification and basic rules of the issuing bank's civil liability in the fake card transaction. This article is divided into six parts. The first chapter is the introduction. It mainly introduces the academic background, research significance and writing ideas of this paper. And the domestic and foreign research status quo is reviewed. The second chapter is the credit card transaction in the identification of civil liability and the status quo of the assumption of the analysis. With the credit card civil disputes as the starting point. The third chapter will focus on the analysis of the origin of the civil liability of the issuing bank in counterfeit card transactions. The definition of civil liability should be analyzed from the analysis of civil law. Start with. First. Focus on the analysis of the civil legal relationship between the issuer and the cardholder. Secondly, based on the civil legal relationship, further analyze the scope of the rights and obligations of the issuing bank in the dispute of counterfeit card transaction. Finally. It is pointed out that the liability of the issuing bank in the case of counterfeit card transaction is the inevitable result of its breach of civil obligations. Chapter 4th focuses on the investigation of the laws and regulations concerning the unauthorized use and fraudulent use of credit cards in the United States and Taiwan. System. And further analysis of our country in counterfeit card transactions in the identification of the civil liability of card issuers and the lack of regulation and reference. 5th chapter specific analysis of counterfeit card transactions in China the identification of civil liability and the basic rules of the credit card issuer. Including the nature of civil liability, the principle of liability, liability composition and exemption. Chapter 6th is the conclusion. According to the analysis and research of the full text, the author reconstructs the identification and basic rules of the civil liability of the issuing bank in the transaction of counterfeit card.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281;D923

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