论银行卡欺诈民事责任分配规则

发布时间：2018-01-19 01:20

本文关键词： 银行卡欺诈民事责任分配　出处：《法学评论》2015年06期 　论文类型：期刊论文

【摘要】：针对银行卡欺诈案件,我国现行立法规定发卡行承担过错责任与合同责任、持卡人承担过错责任或严格责任,这不利于防范欺诈风险。因此,在无法查清过错方或者找不到责任人的情况下,应根据银行卡欺诈损失由成本最低的预防者和最有能力控制者承担原则,针对持卡人欺诈、银行卡被盗、欺诈发行银行卡、实账伪卡和伪账伪卡五种不同情形,按照对发卡行实行严格责任原则、持卡人实行过错责任原则加责任限额制度来重构我国的银行卡欺诈民事责任分配规则。
[Abstract]:With regard to the bank card fraud cases, the current legislation of our country stipulates that the issuing bank should bear the fault liability and the contract liability, and the cardholder should bear the fault liability or strict liability, which is not conducive to the prevention of the fraud risk. In the case of failure to identify the fault party or to find the responsible person, the bank card shall be stolen in accordance with the principle that the lowest cost of fraud loss shall be borne by the person who has the lowest cost and the most able to control it. There are five different situations of fraudulent issuing bank card, real account counterfeit card and fake account fake card, according to the strict liability principle to the issuing bank. Cardholders implement the principle of fault liability plus the system of limitation of liability to reconstruct the rules of allocation of civil liability for bank card fraud in China.
【作者单位】：湖南师范大学法学院;
【基金】：湖南师范大学哲学社会科学青年学术骨干培养计划项目湖南省重点学科建设项目资助
【分类号】：D922.281;D923
【正文快照】： 银行卡欺诈发生以后,在无法查清过错方或者找不到责任人的情况下,持卡人和银行如何分配由此造成的损失,是法律必须解决的一个现实问题。然而我国现行立法对此并无明文规定。司法实践中,一些法院判决银行不承担任何责任,一些法院推定银行有过错,判决银行承担全部责任,还有些法

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