论银行自助交易的财产权保护

发布时间：2018-05-27 03:10

本文选题：银行自助交易 + 民事财产权保护　；参考：《山西大学》2015年硕士论文

【摘要】：近年来,随着科学技术的不断进步,人们对于生活的方便和快捷也有了更高的要求,银行业也陆续推出了多种新型的业务种类来满足客户的需求,以自助平台进行交易的模式便应运而生。但是,此种交易方式的普及却也带来了多种问题,目前,银行自助交易引发的问题虽已引起了学界的关注,可关注力度不足。本文通过分析有关银行自助交易产生纠纷的一组案例,从案例中发现问题,分析问题产生的原因,从而提出如何完善银行自助交易财产权保护措施。运用归纳整理、比较分析、数据统计、理论联系实际等方法对银行自助交易的财产权保护问题进行分析,希望能够提出一些建设性的意见。本文分为四个部分。第一部分为类案介绍。介绍了有关银行自助交易类纠纷的五个案例,这五个案例分别代表银行的如实告知义务履行、银行的安全保障义务履行、银行的及时救济义务履行等类别的案件。第二部分论述银行自助交易财产权保护存在的问题。从交易实践中存在的问题和审判实践中存在的问题两方面进行阐述。具体分析银行安全保障义务的履行问题、银行对储户财产的保护措施、储户合理救济问题及同案不同判的问题等。第三部分是银行自助交易财产权保护存在问题的原因分析。阐述了立法及法律制度、监管、救济等方面存在的不足如何造成银行自助交易中的诸多财产权保护问题。笔者认为正是由于立法不够明确具体、银行监管力度不足、举证难导致救济难使得在自助交易过程中,犯罪分子有漏洞可钻、银行有借口逃避赔偿、储户权益不能获得合理救济。第四部分为完善银行自助交易财产权保护措施。是笔者提出的一些意见,从制定法律规范、加强监管、加强证据保护等多方面提出了改善措施。首先,法律规范要明确具体,才能避免实务裁判中同案不同判的乱象。其次,从主客观两方面解决银行监管难的问题。最后,树立证据意识,加强对于交易证据的保护。笔者认为,银行自助交易财产权保护是事关广大储蓄客户经济利益的重大问题,涉及储户的切身利益,也与群众的实际生活息息相关,并且目前的研究力度还不够,因此,希望能够引起社会各界的广泛重视。
[Abstract]:In recent years, with the continuous progress of science and technology, people have higher requirements for the convenience and speed of life. The banking industry has introduced a variety of new types of business to meet the needs of customers. With self-help platform to carry on the pattern of transaction arises at the historic moment. However, the popularity of this kind of trading has also brought many problems. At present, the problems caused by bank self-dealing have attracted the attention of scholars, but not enough. This paper analyzes a group of cases about the disputes arising from the bank self-dealing, finds the problem from the case, analyzes the causes of the problem, and then puts forward how to perfect the measures to protect the property rights of the bank self-dealing. Using the methods of inductive arrangement, comparative analysis, data statistics, theory combined with practice, this paper analyzes the property rights protection of bank self-dealing, hoping to put forward some constructive suggestions. This paper is divided into four parts. The first part is the introduction of category cases. This paper introduces five cases of bank self-dealing disputes, which represent the bank's truthful obligation to inform, the bank's security obligation, the bank's timely relief obligation and so on. The second part discusses the problems existing in the protection of bank self-dealing property rights. This paper expounds the problems in transaction practice and trial practice. This paper analyzes the implementation of bank security obligations, the protection measures of depositors' property, the reasonable relief of depositors and the problems of different judgments in the same cases. The third part is the analysis of the causes of the problems in the protection of bank self-dealing property rights. This paper expounds how the deficiencies in legislation, legal system, supervision and remedy cause a lot of property rights protection problems in bank self-dealing. The author thinks that it is precisely because the legislation is not clear and specific, the bank supervision is insufficient, the proof is difficult to lead to the relief difficulty, in the self-dealing process, the criminal has the loophole to drill, the bank has the excuse to evade the compensation. Depositors' rights and interests cannot receive reasonable relief. The fourth part is to perfect the bank self-dealing property right protection measure. The author puts forward some suggestions, such as formulating legal norms, strengthening supervision, strengthening the protection of evidence, and so on, and puts forward some improvement measures. First of all, the legal norms should be clear and specific, in order to avoid the confusion of different judgments in practice. Secondly, from the subjective and objective aspects to solve the problem of bank supervision. Finally, establish evidence consciousness and strengthen the protection of transaction evidence. The author believes that the protection of bank self-transaction property rights is a major issue related to the economic interests of the vast number of savings customers, which involves the immediate interests of depositors, and is closely related to the actual life of the masses, and the current research efforts are not enough, so, Hope can arouse the extensive attention of all walks of life of the society.
【学位授予单位】：山西大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

【参考文献】