我国网上银行被盗案中的责任浅析及改进建议

发布时间：2018-07-09 11:52

本文选题：网上银行 + 举证责任分配　；参考：《西南政法大学》2014年硕士论文

【摘要】：互联网的普及应用,触发了网上银行的发展,网上业务的兴起促使金融贸易发展更加方便、高效,金融服务向着更加人性化和智能化的方向发展。我国虽然传统业务发展已经基本与世界同步,但是网上银行业务仍然相对薄弱。经过十几年的发展,我国的网上银行业务取得了长足进步,但也产生了较多问题,网上银行被盗即为较严重的问题之一。本文通过对目前网上银行典型案例,分析我国网上银行被盗而发生财产损失后,如何在银行和存款人之间确定权利义务界限、分配举证责任,通过揭示当前我国法律制度的不足,提出完善我国网上银行案件解决和案件当事人利益均衡分配的一己之见。本文正文由四个部分组成:第一部分导论通过介绍网上银行发展背景、发展现状引导出本文探讨问题及释义,总结国外、国内立法研究现状。本文试图通过对当前网上银行被盗案件的分析,归纳出此类案件争议的焦点,进一步剖析当前我国法律针对网上银行非正常授权业务责任分配的现状,指出我国当前法律法规存在内容与逻辑上的不足。第二部分案例、问题及其成因首先简要介绍网上银行案件事实和存在的法律问题争议焦点,从案例梳理出现今我国网上银行被盗案件损失确定和举证责任分配的现状,其次细致分析产生该种纠纷现状的原因,最后再针对存在的争议焦点分析现行法律制度的不足和盲点。第三部分制度改革与完善的建议通过六个方面、有针对性的对我国网上银行内部控制和法律制度完善提出了较为中肯的建议。阐述现行法律制度框架下重构的举证责任配置,进一步释明当前网上银行应从保护消费者角度对责任分配进行倾斜分配,并进一步完善充实电子银行类法律法规。第四部分扩展性讨论在前文论述基础上,进一步深化扩展,随着我国金融改革的不断进行,对法律法规完善的需求日益增加,为促进电子银行业务有效发展,我国应尽快建立起满足电子银行业务特点的配套法律法规。综上,本文研究发现我国网上银行经过十几年的飞速发展,虽然已经开发了诸多网银业务,基本满足客户的金融需求,并已经初步形成了现代化银行信息系统,但是网上银行被盗、客户密码信息被非法窃取等案件仍然频繁出现,案件发生后银行与消费者权利义务如何界定、举证责任如何分配等核心问题,我国现行法律法规并没有做出明确规定;同时法律法规之间针对同一问题出现矛盾和冲突的情况,这进一步增加了司法适用的难度,不利于消费者权益保护,也不利于银行自身风险控制,提高金融服务水平。本文建议在我国现行法律法规框架下重构银行与消费者金融业务纠纷举证责任配置,明确双方权利义务界限,从立法层面解决这一难题,同时进一步强化对消费者权益保护,制定和完善与网上银行业务相关联的其他配套法律法规,充实我国电子银行类法律制度。
[Abstract]:The popularization and application of the Internet has triggered the development of online banking. The rise of online business has made the development of financial and trade more convenient and efficient, and the financial service has developed towards a more humanized and intelligent direction. Although the development of traditional business in China has basically kept pace with the world, the online banking business is still relatively weak. After more than ten years of development, China's online banking business has made considerable progress, but also produced more problems, online banking theft is one of the more serious problems. This paper analyzes how to define the boundary of rights and obligations between banks and depositors after the property losses caused by the theft of online banks in China, and to distribute the burden of proof. Through revealing the deficiency of our country's legal system at present, the author puts forward his own views on how to perfect the settlement of online banking cases and the balanced distribution of the interests of the parties involved in the cases. The text of this paper is composed of four parts: the first part introduces the background of the development of online banking, the development of the current situation leads to the discussion and interpretation of this article, summed up the foreign and domestic legislative research status. This article attempts to sum up the focus of this kind of cases by analyzing the current cases of online bank theft, and further analyzes the present situation of the distribution of responsibility for the abnormal authorized business of internet bank in our country. It points out that the current laws and regulations of our country are deficient in content and logic. The second part of the case, problems and causes of the first brief introduction of online banking case facts and legal issues of dispute focus, from the case comb out of our country's online bank theft case loss determination and burden of proof distribution of the status quo. Secondly, it analyzes the causes of this kind of disputes, and then analyzes the shortcomings and blind spots of the current legal system. The third part of the system reform and improvement of the recommendations through six aspects, targeted to our country's Internet banking internal control and legal system improvement put forward more pertinent recommendations. This paper expounds the allocation of the burden of proof reconstructing under the framework of the current legal system, further explains that the current online banking should be inclined to distribute the responsibility from the angle of consumer protection, and further consummates and enriches the laws and regulations of electronic banking. The fourth part of the extensive discussion on the basis of the previous discussion, further deepen the expansion, with the ongoing financial reform in China, the demand for the improvement of laws and regulations is increasing, in order to promote the effective development of electronic banking business, Our country should establish as soon as possible to meet the characteristics of electronic banking business supporting laws and regulations. In summary, this paper finds that after more than ten years of rapid development of China's online banking, although it has developed a lot of online banking business, basically to meet the financial needs of customers, and has initially formed a modern banking information system. However, cases such as the theft of online banks and illegal theft of customer password information still occur frequently. How to define the rights and obligations of banks and consumers, how to distribute the burden of proof, and so on, after the cases occur. The current laws and regulations of our country have not made clear provisions; at the same time, there are contradictions and conflicts between laws and regulations aimed at the same problem, which further increases the difficulty of judicial application and is not conducive to the protection of consumers' rights and interests. It is also unfavorable for banks to control their own risks and improve the level of financial services. This paper proposes to reconstruct the allocation of the burden of proof in the disputes between banks and consumers in the framework of current laws and regulations, clarify the limits of rights and obligations of both parties, solve this problem from the legislative level, and further strengthen the protection of consumers' rights and interests. To establish and perfect other supporting laws and regulations related to online banking, and to enrich the legal system of electronic banking in China.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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