银行卡盗刷赔偿法律问题研究

发布时间：2018-06-06 20:37

本文选题：银行卡盗刷 + 赔偿　；参考：《云南财经大学》2017年硕士论文

【摘要】：近年来,我国银行卡的发卡量持续大幅增长,刷卡消费成为了一种时尚。银行卡的广泛使用给我们的生活带来了极大的便利,但随之而来的安全问题也日益凸显,特别是各地银行卡盗刷案件频频发生,这不仅给持卡人的利益带来不利影响,从而引发对储蓄资金安全产生疑虑;对银行的资金和信誉也造成了一定的损害,严重阻碍其业务的进一步拓展。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,也影响司法裁判标准的统一。此类案件的争议焦点大多在于如何认定盗刷,“民刑交叉”程序如何确定,如何分配双方当事人的举证责任,民事责任该如何承担,各自承担多大的比例。对银行卡的相关法律关系进行科学、准确的界定,正确分析被盗刷资金的损失和责任承担,对保障持卡人的合法利益,维护金融秩序的稳定有着巨大的现实意义。本文主要分为以下五个部分:第一部分是对银行卡盗刷相关问题的概述,主要明确了盗刷银行卡的概念,并分别对银行卡交易关系中发卡行、持卡人、收单行以及特约商户各主体之间的法律关系进行论述。第二部分是通过对相似案例的介绍,分析这些典型案例中出现的裁判规则,抛砖引玉提出争议问题。第三部分采用理论分析方法对银行卡盗刷纠纷涉及的刑事、民事程序问题进行探讨。第四部分对相关问题进行法理分析,主要针对争议问题中的焦点即银行卡盗刷中持卡人和银行之间的举证责任如何进行分配。第五部分根据上文分析的法律关系、举证责任和重要程序之民刑交叉,指出银行和持卡人应该根据各自过错承担相应的民事责任,并就如何具体处理银行卡盗刷赔偿责任承担提出自己的看法和建议。
[Abstract]:In recent years, the number of bank cards issued in China continues to increase significantly, credit card consumption has become a fashion. The extensive use of bank cards has brought us great convenience in our daily life, but the security problems have become increasingly prominent, especially the frequent occurrence of bank card theft cases in various places, which not only has a negative impact on the interests of cardholders, Thus, the security of savings funds is doubtful, and the bank's funds and reputation are also damaged, which seriously hinders the further development of its business. Since there are no specific provisions in our country's existing laws and regulations and judicial interpretation, this not only brings considerable difficulty to the court to deal with such cases, but also affects the unification of judicial adjudication standards. The dispute focuses on how to identify the theft, how to determine the "civil and criminal cross" procedure, how to distribute the burden of proof of both parties, how to bear the civil liability, and what proportion of each party should bear. It is of great practical significance to ensure the legitimate interests of cardholders and maintain the stability of financial order by scientifically and accurately defining the relevant legal relations of bank cards and correctly analyzing the loss and responsibility of stolen brush funds. This paper is divided into the following five parts: the first part is an overview of the bank card theft brush related problems, mainly defined the concept of bank card theft, and the bank card transaction relationship between the issuing bank, card holders, Receiving orders and the legal relationship between the various subjects of special merchants are discussed. The second part is the introduction of similar cases, the analysis of these typical cases appear in the rules of the referee, put forward controversial issues. The third part uses the theory analysis method to discuss the criminal and civil procedure of the bank card theft dispute. The fourth part makes a legal analysis on the related issues, mainly focusing on the focus of the dispute, namely, how to distribute the burden of proof between the cardholder and the bank in the bank card theft and brush. The fifth part points out that the bank and the cardholder should bear the corresponding civil liability according to their respective fault according to the legal relationship, the burden of proof and the civil penalty of the important procedure. And how to deal with the bank card theft and brush liability to bear their own views and suggestions.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.281

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