借记卡盗刷的民事责任研究

发布时间：2018-01-19 14:28

本文关键词： 借记卡盗刷举证责任民事责任　出处：《暨南大学》2015年硕士论文　论文类型：学位论文

【摘要】：银行借记卡盗刷案件一般表现为不法分子利用非法手段复制他人的借记卡磁条信息,从而伪造借记卡取现或者消费的行为。这种行为不但对持卡人的利益造成不利影响,从而对储蓄资金安全产生疑虑;对银行的资金和信誉也造成一定的损害,严重阻碍其业务的进一步拓展。在持卡人与银行间的借记卡盗刷纠纷案件中,由于法律规范的缺失,导致司法实践审判结果很不一致。争议焦点在于双方当事人的举证责任如何分配,民事责任该如何承担,各自承担多大的比例。厘清争议问题的关键是要分析银行卡盗刷的受害主体和受害客体是什么,银行卡盗刷的责任主体有哪些,举证责任如何分配。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分担,对保障持卡人的合法正当权益,维持金融秩序有着巨大的现实意义。本文首先在文章第一部分对相似案例不同法院的不同审判结果抛砖引玉提出争议问题,第二部分对相关问题进行法理分析,对借记卡盗刷纠纷中各主体的法律关系进行厘清,分析借记卡盗刷案件的责任性质,借记卡持卡人和银行之间的举证责任的分配原则和具体分配事项;第三部分试图针对该争议提出解决的路径。
[Abstract]:The bank debit card theft case is usually manifested in the illegal use of illegal means to copy other people's debit card magnetic strip information. Thus forged debit cards to withdraw or consume behavior. This behavior not only has a negative impact on the interests of cardholders, thus has doubts about the security of savings funds; The bank's funds and credibility also cause certain damage, seriously hinder the further expansion of its business. In the case of debit card theft dispute between the cardholder and the bank, due to the lack of legal norms. The focus of the dispute is how to distribute the burden of proof of both parties and how to bear the civil liability. The key to clarify the controversial issues is to analyze the subject and object of bank card theft and what are the responsible subjects of bank card theft. How to distribute the burden of proof. Scientific and accurate definition of the relevant legal relationship of bank card, correct analysis of the loss of stolen brush funds and the sharing of responsibility, to protect the legitimate rights and interests of cardholders. Maintenance of financial order has a great practical significance. The first part of the article on similar cases different court trial results to raise the issue of controversy, the second part of the relevant issues of legal analysis. This paper clarifies the legal relationship of the subjects in the dispute of debit card theft and brush, analyzes the nature of the liability of the case, the distribution principle of the burden of proof between the debit card holder and the bank and the specific assignment items; The third part tries to put forward the path to settle the dispute.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.6

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