伪造银行卡盗刷损失承担研究

发布时间：2018-02-04 10:32

本文关键词： 伪银行卡法律关系举证责任分配责任承担　出处：《安徽财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着我国银行卡日益普及,不法分子通过伪造银行卡盗取持卡人卡内资金的案件日渐高发,严重影响了持卡人和银行的资金安全。由于我国现有的法律法规和司法解释对此没有具体规定,这不仅给法院处理此类案件带来相当难度,也影响司法裁判尺度的统一。本文分四大部分对伪造银行卡盗刷损失的承担进行论述。第一部分通过两个相似案情的案例介绍,指出我国银行卡立法的滞后导致司法实践中同案不同判现象时有发生。第二部分明确银行卡概念、特征及种类,并分别对借记卡持卡人和信用卡持卡人与发卡行之间的法律关系进行论述。第三部分提出应该依据过错原则确定银行和持卡人的责任,特殊情况下适用公平原则,并论述持卡人和银行应该承担的举证内容。第四部分根据上文分析的法律关系、归责原则和举证内容,提出银行和持卡人应该根据各自过错承担相应的民事责任,特约商户无责任,而盗刷者不仅要承担民事责任,更要承担刑事责任。
[Abstract]:With China's increasing popularity of bank cards, fake bank cards by criminals to steal cardholder card capital cases increasingly high incidence of serious impact, the cardholder and bank capital security. Because of China's existing laws and regulations and judicial interpretations have no specific provisions, which not only brought considerable difficulty for the court to handle such cases, also affect the unity justice scale. This paper is divided into four parts to undertake bank card forgery fraudulent losses were discussed. The first part introduces the case through two similar case, pointed out that the lag of China's bank card legislation resulted in judicial practice of different co contracting phenomenon have occurred. The second part makes clear the bank card concept, characteristics and types, and on the debit card and credit card holders to the legal relationship between the cardholder and the card issuers are discussed. The third part puts forward should be based on the principle of fault to determine the bank And the responsibility of the cardholder, special circumstances for the principle of fairness, and discusses the contents of the burden of the cardholder and the bank should bear the legal relationship. The fourth part according to the above analysis, the imputation principle and the burden of proof, the bank and the cardholder should bear corresponding civil liability according to their own fault, no liability merchants, and fraudulent not only should bear civil liability, should bear criminal responsibility.

【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

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