论银行卡诈骗犯罪背景下储蓄合同纠纷民事责任的承担

发布时间：2017-12-30 19:11

本文关键词：论银行卡诈骗犯罪背景下储蓄合同纠纷民事责任的承担　出处：《法治论坛》2013年02期 　论文类型：期刊论文

【摘要】：近年来,因银行卡犯罪引发的储蓄合同纠纷呈上升趋势。针对此类案件,不同法院的判决理由、依据和结果差异明显,影响了法律适用的统一性。鉴于此,司法实践亟须在以下几个核心问题上取得共识:第一,存款行为的法律性质属于消费寄托,持卡人存入的货币资金的所有权即刻转移给银行。第二,在金融电子化自动交易条件下,银行卡与密码是持卡人进行意思表示的必备条件。因此,持卡人意思表示的效力规则应该是:真卡与密码的使用不管是否是持卡人本人的行为,如无免责事由,也应视为是持卡人本人的行为。据此,犯罪嫌疑人使用伪卡和密码则不应视为是持卡人本人的交易行为。第三,如果持卡人存在疏于银行卡与密码保护的过错,法院应支持银行主张持卡人承担侵权责任,以防范持卡人的道德风险。
[Abstract]:In recent years, the savings contract disputes caused by bank card crime are on the rise. In such cases, the difference of the reasons, the basis and the result of different court decisions is obvious, which affects the uniformity of the application of the law. Judicial practice urgently needs to reach consensus on the following core issues: first, the legal nature of deposit behavior belongs to consumer sustenance, and the ownership of the money deposited by the cardholder is transferred to the bank immediately. Under the condition of financial electronic automatic transaction, bank card and password are the necessary conditions for the cardholder to express his will. The rule of validity of the cardholder's expression of will should be that the use of the true card and the password, whether or not it is the cardholder's own act, should be regarded as the cardholder's own act if there is no reason for disclaimer. The use of counterfeit cards and passwords by criminal suspects should not be regarded as the transaction behavior of the cardholder himself. Third, if the cardholder has the fault of neglecting the bank card and password protection. The court should support the bank's claim that cardholders should be held liable for infringement in order to prevent their moral hazard.
【作者单位】：暨南大学法学院;
【分类号】：D923
【正文快照】： 一、问题的提出(一)概况银行卡业务是现代信息科技与传统银行业务相结合的产物,这种金融产品使得传统的银行储蓄、支付结算等业务发生了革命性的变化,极大地提高了交易的效率,降低了交易的成本,同时也使金融消费者获得了交易的便利。正因如此,近年来,银行卡业务在我国获得了迅

【共引文献】