本文選題：銀行卡 + 盜刷�。� 參考：《天津師范大學(xué)》2017年碩士論文

【摘要】：銀行卡以其方便、快捷的特點(diǎn),已被人們廣泛使用,但在給人們帶來(lái)方便的同時(shí),也給了不法分子可乘之機(jī),不法分子通過(guò)技術(shù)手段盜刷銀行卡的案件逐年上升,但由于法律體系的不完善,目前我國(guó)對(duì)于銀行卡盜刷案件的責(zé)任承擔(dān)情況并無(wú)明確的法律規(guī)定,導(dǎo)致法院在審理過(guò)程中對(duì)于案件的法律性質(zhì)、責(zé)任承擔(dān)、舉證責(zé)任分配等方面缺乏明確的標(biāo)準(zhǔn)和依據(jù),為此出現(xiàn)了"同案不同判"的現(xiàn)象。本文通過(guò)列舉盜刷案件的具體作案形式,分析了銀行卡被盜刷的原因,并結(jié)合具體案例對(duì)各地區(qū)的裁判規(guī)則進(jìn)行了分析,進(jìn)而提出自己的建議,以期為審判實(shí)踐提供參考。本文正文主要包括四個(gè)部分。第一部分主要介紹了銀行卡盜刷案件的表現(xiàn)形式與原因分析。該部分通過(guò)案例的形式介紹了銀行卡盜刷案件的三種具體作案形式,并據(jù)此分析了銀行卡被盜刷的原因。第二部分是對(duì)銀行卡盜刷案件商業(yè)銀行承擔(dān)責(zé)任的方式法院裁判規(guī)則的現(xiàn)狀及分析。本部分對(duì)南京、天津、上海、山西等不同地區(qū)的典型案例從銀行卡真?zhèn)蔚恼J(rèn)定、盜刷事實(shí)的認(rèn)定、合同性質(zhì)的認(rèn)定、銀行與持卡人權(quán)利義務(wù)的認(rèn)定、銀行與持卡人的過(guò)錯(cuò)程度方面、責(zé)任認(rèn)定的歸責(zé)原則及舉證責(zé)任分配六個(gè)方面進(jìn)行了分析研究,從中總結(jié)出各地、各級(jí)法院對(duì)該類案件裁判規(guī)則目前所持的傾向性意見(jiàn)。第三部分是對(duì)銀行卡盜刷案件中的法理分析的論述。本部分首先論述了銀行卡法律關(guān)系涉及的主體即發(fā)卡行、持卡人、特約商戶、收單機(jī)構(gòu)(代理交易行),并對(duì)四者之間的法律關(guān)系及相互之間的權(quán)利義務(wù)以文字及圖表的形式進(jìn)行了具體闡述,并分析了"偽卡盜刷"中當(dāng)事人(案件中的原、被告)之間的法律關(guān)系。其次對(duì)銀行卡盜刷案件適用的歸責(zé)原則及銀行的免責(zé)事由進(jìn)行了研究,從而提出了在審判實(shí)踐中適用歸責(zé)原則的具體建議,即文中一般情況下的過(guò)錯(cuò)推定原則,特殊情況下的公平原則。第四部分完善商業(yè)銀行履行賠償責(zé)任的建議,主要從明確界定商業(yè)銀行賠償責(zé)任的性質(zhì)、商業(yè)銀行賠償責(zé)任主觀方面的認(rèn)定以及商業(yè)銀行賠償數(shù)額因素的確定三個(gè)方面進(jìn)行了論述。
[Abstract]:Bank cards have been widely used by people because of their convenient and fast characteristics. But while bringing convenience to people, they also give illegal elements an opportunity to take advantage of them. The number of cases in which illegal elements steal bank cards by technical means has increased year by year. However, due to the imperfection of the legal system, there is no clear legal regulation on the liability of the bank card theft case in our country at present, which leads the court to bear the legal nature of the case in the course of trial. The distribution of burden of proof is lack of clear standard and basis. This paper analyzes the causes of bank card stolen brush by enumerating the specific forms of crime in case of theft and brush, and analyzes the rules of adjudication in various regions in combination with specific cases, and then puts forward its own suggestions in order to provide a reference for the trial practice. The text of this paper mainly includes four parts. The first part mainly introduced the bank card theft case manifestation and the reason analysis. In this part, three kinds of cases of bank card theft and brush are introduced, and the reasons of bank card theft are analyzed. The second part is the present situation and analysis of the rules of court decision. This part of Nanjing, Tianjin, Shanghai, Shanxi and other typical cases from the identification of the authenticity of bank cards, the theft of the facts, the nature of the contract, the rights and obligations of banks and cardholders, In terms of the fault degree of banks and cardholders, the principle of liability attribution and the distribution of burden of proof are analyzed and studied. The third part is the legal analysis of bank card theft cases. This part first discusses the legal relationship of bank cards involved in the main body, namely, card issuers, cardholders, special merchants, The legal relationship between the four parties and their rights and obligations are elaborated in the form of words and charts, and the parties (the original in the case) are analyzed. The legal relationship between the accused Secondly, the author studies the principle of imputation and the reason of the exemption of the bank in the case of bank card theft and brushing, and then puts forward the concrete suggestion of applying the imputation principle in the trial practice, that is, the principle of presumption of fault in the general situation in this paper. The principle of fairness in special circumstances. The fourth part consummates the commercial bank to fulfill the compensation responsibility suggestion, mainly from the clear definition commercial bank compensates the responsibility the nature, This paper discusses the subjective determination of commercial bank compensation liability and the determination of compensation amount factor of commercial bank.
【學(xué)位授予單位】：天津師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D922.281

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本文編號(hào)：1943865