银行卡侵权法律问题研究

发布时间：2018-03-03 14:11

本文选题：银行卡侵权　切入点：法律责任　出处：《吉林财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：上世纪60年代以来,由于科学技术的飞速发展,特别是电子计算机的运用,使银行卡的适用范围不断扩大,银行卡在日常的社会经济生活中发挥着越来越重要的作用。我国虽然银行卡产业起步较晚,但是发展却极为迅速,截止2014年末,我国累计发行银行卡49.36亿张,其中借记卡44.81亿张,信用卡4.55亿张,中国人均持有银行卡3.64张。随着银行卡产业的日益繁荣,银行卡侵权案件也愈演愈烈,侵权人通过ATM机、POS机、网络平台及手机客户端等方式窃取持卡人的银行卡信息及密码,进而盗取持卡人的财产,这些行为不仅严重损害了持卡人的合法权益,而且还对银行金融机构带来了极大的破坏,同时对我国金融市场的健康发展造成了极大地阻碍。银行卡侵权案件的发生,会在不同的主体之间会产生不同的法律关系变动,盗刷盗用等行为本身就侵犯了我国刑法所保护的法益,另外还会带来违约责任和侵权责任等民法意义上的不良法律后果,如何在不同主体之间理清这些纷繁复杂的法律关系要素,确定责任承担主体就显得极为重要。而近观我国目前的相关制度,我们会发现,在规制银行卡侵权行为方面我国做的还不够好,主要体现在法律体系不够系统全面、银行业相关制度尚有缺陷、司法裁判制度仍亟待完善。面对银行卡侵权案件,美国和我国台湾地区在相关制度的设置都采取了一些比较有价值的措施,比较分析这些措施对于推动我国银行相关制度的完善、保护相关主体的合法利益有着极为重要的借鉴意义。最后作者从自己的角度,对如何完善我国银行卡交易相关制度,保护发卡行、持卡人的合法权利提出了一些不太成熟的意见,希望能够起到抛砖引玉的作用。
[Abstract]:Since -40s, due to the rapid development of science and technology, especially the use of electronic computers, the application of bank cards continues to expand. Bank cards play a more and more important role in the daily social and economic life. Although the banking card industry started relatively late in China, it has developed very rapidly. By end of 2014, four billion nine hundred and thirty-six million bank cards had been issued in our country. Of these, four billion four hundred and eighty-one million debit cards, 455 million credit cards and 3.64 bank cards per capita are held in China. With the increasing prosperity of the banking card industry, the infringement cases of bank cards are becoming more and more serious. Network platforms and mobile phone clients steal the cardholder's bank card information and password, thereby stealing the cardholder's property, which not only seriously damages the cardholder's legitimate rights and interests, It has also caused great damage to the banking financial institutions, and at the same time has caused great obstacles to the healthy development of the financial market in our country. The occurrence of bank card infringement cases will bring about different legal relations between different subjects. Such acts as theft and embezzlement itself violate the legal interests protected by the criminal law of our country. In addition, they also bring about adverse legal consequences in the sense of civil law, such as liability for breach of contract and liability for tort. How to clear up these complicated and complicated elements of legal relations between different subjects and determine the subject of responsibility is extremely important. If we look closely at the current relevant systems in our country, we will find that, In the aspect of regulating bank card infringement, our country has not done well enough, mainly reflected in the legal system is not systematic and comprehensive, the banking related system still has defects, the judicial decision system still needs to be perfected urgently. Facing the bank card infringement case, the judicial decision system is still in need of perfection. Both the United States and Taiwan have taken some valuable measures in the setting up of relevant systems. The comparative analysis of these measures will promote the improvement of the relevant banking system in China. It is of great significance to protect the legal interests of the relevant subjects. Finally, from the perspective of the author, the author makes a point of how to perfect the relevant system of bank card transactions in China and protect the issuing banks. The legal rights of cardholders put forward some immature opinions, hoping to play a role.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923

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