發(fā)布時(shí)間：2018-05-27 03:10

  本文選題：銀行自助交易 + 民事財(cái)產(chǎn)權(quán)保護(hù)��； 參考：《山西大學(xué)》2015年碩士論文

【摘要】：近年來,隨著科學(xué)技術(shù)的不斷進(jìn)步,人們對(duì)于生活的方便和快捷也有了更高的要求,銀行業(yè)也陸續(xù)推出了多種新型的業(yè)務(wù)種類來滿足客戶的需求,以自助平臺(tái)進(jìn)行交易的模式便應(yīng)運(yùn)而生。但是,此種交易方式的普及卻也帶來了多種問題,目前,銀行自助交易引發(fā)的問題雖已引起了學(xué)界的關(guān)注,可關(guān)注力度不足。本文通過分析有關(guān)銀行自助交易產(chǎn)生糾紛的一組案例,從案例中發(fā)現(xiàn)問題,分析問題產(chǎn)生的原因,從而提出如何完善銀行自助交易財(cái)產(chǎn)權(quán)保護(hù)措施。運(yùn)用歸納整理、比較分析、數(shù)據(jù)統(tǒng)計(jì)、理論聯(lián)系實(shí)際等方法對(duì)銀行自助交易的財(cái)產(chǎn)權(quán)保護(hù)問題進(jìn)行分析,希望能夠提出一些建設(shè)性的意見。本文分為四個(gè)部分。第一部分為類案介紹。介紹了有關(guān)銀行自助交易類糾紛的五個(gè)案例,這五個(gè)案例分別代表銀行的如實(shí)告知義務(wù)履行、銀行的安全保障義務(wù)履行、銀行的及時(shí)救濟(jì)義務(wù)履行等類別的案件。第二部分論述銀行自助交易財(cái)產(chǎn)權(quán)保護(hù)存在的問題。從交易實(shí)踐中存在的問題和審判實(shí)踐中存在的問題兩方面進(jìn)行闡述。具體分析銀行安全保障義務(wù)的履行問題、銀行對(duì)儲(chǔ)戶財(cái)產(chǎn)的保護(hù)措施、儲(chǔ)戶合理救濟(jì)問題及同案不同判的問題等。第三部分是銀行自助交易財(cái)產(chǎn)權(quán)保護(hù)存在問題的原因分析。闡述了立法及法律制度、監(jiān)管、救濟(jì)等方面存在的不足如何造成銀行自助交易中的諸多財(cái)產(chǎn)權(quán)保護(hù)問題。筆者認(rèn)為正是由于立法不夠明確具體、銀行監(jiān)管力度不足、舉證難導(dǎo)致救濟(jì)難使得在自助交易過程中,犯罪分子有漏洞可鉆、銀行有借口逃避賠償、儲(chǔ)戶權(quán)益不能獲得合理救濟(jì)。第四部分為完善銀行自助交易財(cái)產(chǎn)權(quán)保護(hù)措施。是筆者提出的一些意見,從制定法律規(guī)范、加強(qiáng)監(jiān)管、加強(qiáng)證據(jù)保護(hù)等多方面提出了改善措施。首先,法律規(guī)范要明確具體,才能避免實(shí)務(wù)裁判中同案不同判的亂象。其次,從主客觀兩方面解決銀行監(jiān)管難的問題。最后,樹立證據(jù)意識(shí),加強(qiáng)對(duì)于交易證據(jù)的保護(hù)。筆者認(rèn)為,銀行自助交易財(cái)產(chǎn)權(quán)保護(hù)是事關(guān)廣大儲(chǔ)蓄客戶經(jīng)濟(jì)利益的重大問題,涉及儲(chǔ)戶的切身利益,也與群眾的實(shí)際生活息息相關(guān),并且目前的研究力度還不夠,因此,希望能夠引起社會(huì)各界的廣泛重視。
[Abstract]:In recent years, with the continuous progress of science and technology, people have higher requirements for the convenience and speed of life. The banking industry has introduced a variety of new types of business to meet the needs of customers. With self-help platform to carry on the pattern of transaction arises at the historic moment. However, the popularity of this kind of trading has also brought many problems. At present, the problems caused by bank self-dealing have attracted the attention of scholars, but not enough. This paper analyzes a group of cases about the disputes arising from the bank self-dealing, finds the problem from the case, analyzes the causes of the problem, and then puts forward how to perfect the measures to protect the property rights of the bank self-dealing. Using the methods of inductive arrangement, comparative analysis, data statistics, theory combined with practice, this paper analyzes the property rights protection of bank self-dealing, hoping to put forward some constructive suggestions. This paper is divided into four parts. The first part is the introduction of category cases. This paper introduces five cases of bank self-dealing disputes, which represent the bank's truthful obligation to inform, the bank's security obligation, the bank's timely relief obligation and so on. The second part discusses the problems existing in the protection of bank self-dealing property rights. This paper expounds the problems in transaction practice and trial practice. This paper analyzes the implementation of bank security obligations, the protection measures of depositors' property, the reasonable relief of depositors and the problems of different judgments in the same cases. The third part is the analysis of the causes of the problems in the protection of bank self-dealing property rights. This paper expounds how the deficiencies in legislation, legal system, supervision and remedy cause a lot of property rights protection problems in bank self-dealing. The author thinks that it is precisely because the legislation is not clear and specific, the bank supervision is insufficient, the proof is difficult to lead to the relief difficulty, in the self-dealing process, the criminal has the loophole to drill, the bank has the excuse to evade the compensation. Depositors' rights and interests cannot receive reasonable relief. The fourth part is to perfect the bank self-dealing property right protection measure. The author puts forward some suggestions, such as formulating legal norms, strengthening supervision, strengthening the protection of evidence, and so on, and puts forward some improvement measures. First of all, the legal norms should be clear and specific, in order to avoid the confusion of different judgments in practice. Secondly, from the subjective and objective aspects to solve the problem of bank supervision. Finally, establish evidence consciousness and strengthen the protection of transaction evidence. The author believes that the protection of bank self-transaction property rights is a major issue related to the economic interests of the vast number of savings customers, which involves the immediate interests of depositors, and is closely related to the actual life of the masses, and the current research efforts are not enough, so, Hope can arouse the extensive attention of all walks of life of the society.
【學(xué)位授予單位】：山西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.281

【參考文獻(xiàn)】

相關(guān)期刊論文 前2條

1 余素梅;;論網(wǎng)上銀行交易中消費(fèi)者權(quán)益的特別法律保護(hù)——以歐盟與美國(guó)的相關(guān)法律實(shí)踐為視角[J];西部法學(xué)評(píng)論;2008年04期

2 李欣亮;馬領(lǐng)弟;胡曉琳;張?bào)w勇;;關(guān)于自助銀行服務(wù)的法律思考——基于合同義務(wù)群視角[J];湖北經(jīng)濟(jì)學(xué)院學(xué)報(bào)(人文社會(huì)科學(xué)版);2012年06期

，

本文編號(hào)：1940157