银行卡盗刷案件中的商业银行赔偿责任研究

发布时间：2018-05-27 21:39

本文选题：银行卡 + 盗刷　；参考：《天津师范大学》2017年硕士论文

【摘要】：银行卡以其方便、快捷的特点,已被人们广泛使用,但在给人们带来方便的同时,也给了不法分子可乘之机,不法分子通过技术手段盗刷银行卡的案件逐年上升,但由于法律体系的不完善,目前我国对于银行卡盗刷案件的责任承担情况并无明确的法律规定,导致法院在审理过程中对于案件的法律性质、责任承担、举证责任分配等方面缺乏明确的标准和依据,为此出现了"同案不同判"的现象。本文通过列举盗刷案件的具体作案形式,分析了银行卡被盗刷的原因,并结合具体案例对各地区的裁判规则进行了分析,进而提出自己的建议,以期为审判实践提供参考。本文正文主要包括四个部分。第一部分主要介绍了银行卡盗刷案件的表现形式与原因分析。该部分通过案例的形式介绍了银行卡盗刷案件的三种具体作案形式,并据此分析了银行卡被盗刷的原因。第二部分是对银行卡盗刷案件商业银行承担责任的方式法院裁判规则的现状及分析。本部分对南京、天津、上海、山西等不同地区的典型案例从银行卡真伪的认定、盗刷事实的认定、合同性质的认定、银行与持卡人权利义务的认定、银行与持卡人的过错程度方面、责任认定的归责原则及举证责任分配六个方面进行了分析研究,从中总结出各地、各级法院对该类案件裁判规则目前所持的倾向性意见。第三部分是对银行卡盗刷案件中的法理分析的论述。本部分首先论述了银行卡法律关系涉及的主体即发卡行、持卡人、特约商户、收单机构(代理交易行),并对四者之间的法律关系及相互之间的权利义务以文字及图表的形式进行了具体阐述,并分析了"伪卡盗刷"中当事人(案件中的原、被告)之间的法律关系。其次对银行卡盗刷案件适用的归责原则及银行的免责事由进行了研究,从而提出了在审判实践中适用归责原则的具体建议,即文中一般情况下的过错推定原则,特殊情况下的公平原则。第四部分完善商业银行履行赔偿责任的建议,主要从明确界定商业银行赔偿责任的性质、商业银行赔偿责任主观方面的认定以及商业银行赔偿数额因素的确定三个方面进行了论述。
[Abstract]:Bank cards have been widely used by people because of their convenient and fast characteristics. But while bringing convenience to people, they also give illegal elements an opportunity to take advantage of them. The number of cases in which illegal elements steal bank cards by technical means has increased year by year. However, due to the imperfection of the legal system, there is no clear legal regulation on the liability of the bank card theft case in our country at present, which leads the court to bear the legal nature of the case in the course of trial. The distribution of burden of proof is lack of clear standard and basis. This paper analyzes the causes of bank card stolen brush by enumerating the specific forms of crime in case of theft and brush, and analyzes the rules of adjudication in various regions in combination with specific cases, and then puts forward its own suggestions in order to provide a reference for the trial practice. The text of this paper mainly includes four parts. The first part mainly introduced the bank card theft case manifestation and the reason analysis. In this part, three kinds of cases of bank card theft and brush are introduced, and the reasons of bank card theft are analyzed. The second part is the present situation and analysis of the rules of court decision. This part of Nanjing, Tianjin, Shanghai, Shanxi and other typical cases from the identification of the authenticity of bank cards, the theft of the facts, the nature of the contract, the rights and obligations of banks and cardholders, In terms of the fault degree of banks and cardholders, the principle of liability attribution and the distribution of burden of proof are analyzed and studied. The third part is the legal analysis of bank card theft cases. This part first discusses the legal relationship of bank cards involved in the main body, namely, card issuers, cardholders, special merchants, The legal relationship between the four parties and their rights and obligations are elaborated in the form of words and charts, and the parties (the original in the case) are analyzed. The legal relationship between the accused Secondly, the author studies the principle of imputation and the reason of the exemption of the bank in the case of bank card theft and brushing, and then puts forward the concrete suggestion of applying the imputation principle in the trial practice, that is, the principle of presumption of fault in the general situation in this paper. The principle of fairness in special circumstances. The fourth part consummates the commercial bank to fulfill the compensation responsibility suggestion, mainly from the clear definition commercial bank compensates the responsibility the nature, This paper discusses the subjective determination of commercial bank compensation liability and the determination of compensation amount factor of commercial bank.
【学位授予单位】：天津师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.281

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