發(fā)布時(shí)間：2018-03-28 05:26

  本文選題：信用卡滯納金　切入點(diǎn)：違約金　出處：《蘭州大學(xué)》2012年碩士論文

【摘要】：隨著經(jīng)濟(jì)的迅速發(fā)展,我國(guó)信用卡用戶的數(shù)量迅速增加,信用卡市場(chǎng)的規(guī)模不斷擴(kuò)大。但隨之而來(lái),銀行與信用卡用戶之間的糾紛呈現(xiàn)迅速增長(zhǎng)的趨勢(shì)。雖然我國(guó)正加快關(guān)于信用卡方面的專項(xiàng)立法,但有關(guān)信用卡滯納金的明確規(guī)定仍然僅存于1999年中國(guó)人民銀行頒布的《銀行卡業(yè)務(wù)管理辦法》第二十二條：發(fā)卡銀行對(duì)貸記卡持卡人未償還最低還款額和超信用額度用卡的行為,應(yīng)當(dāng)分別按最低還款額未還部分、超過(guò)信用額度部分的5%收取滯納金和超限費(fèi)。隨著糾紛的不斷出現(xiàn),其規(guī)定的不足之處日益凸顯,信用卡滯納金的規(guī)定被卡民稱為“合法的搶劫”。本文將結(jié)合具體案例,從信用卡滯納金相關(guān)理論入手,對(duì)其存在的問(wèn)題進(jìn)行分析,力求在平衡銀行與信用卡客戶利益的前提下尋找解決此問(wèn)題的合理方法。 本文將結(jié)合具體案例從如下結(jié)構(gòu)展開(kāi)討論： 第一部分,對(duì)歐隕與民生銀行信用卡糾紛案進(jìn)行簡(jiǎn)要的介紹并引出案件爭(zhēng)議的焦點(diǎn)。當(dāng)前我國(guó)銀行信用卡滯納金的收費(fèi)標(biāo)準(zhǔn)是否合理；作為銀行信用卡滯納金收費(fèi)依據(jù)的《銀行卡業(yè)務(wù)管理辦法》相關(guān)規(guī)定與《合同法》是否存在在實(shí)質(zhì)上的沖突；以及信用卡滯納金條款是否為霸王條款等問(wèn)題。 第二部分,首先分析了信用卡滯納金的由來(lái),并通過(guò)信用卡滯納金與傳統(tǒng)行政法滯納金的比較,對(duì)信用卡滯納金進(jìn)行定性分析,得出信用卡滯納金實(shí)質(zhì)上為合同違約金的性質(zhì)。對(duì)我國(guó)現(xiàn)行信用卡滯納金法律規(guī)制體系進(jìn)行簡(jiǎn)要的分析。 第三部分,針對(duì)本案涉及的爭(zhēng)議焦點(diǎn)及相關(guān)法律問(wèn)題展開(kāi)論述,就滯納金收費(fèi)標(biāo)準(zhǔn)問(wèn)題；滯納金條款與合同法規(guī)定的沖突問(wèn)題；滯納金條款是否為霸王條款等問(wèn)題進(jìn)行簡(jiǎn)要法律分析。 第四部分,從銀行、法院、立法及消費(fèi)者自身方面,對(duì)解決我國(guó)信用卡滯納金問(wèn)題提出合理化的建議,探索信用卡滯納金糾紛的解決機(jī)制。
[Abstract]:With the rapid development of economy, the number of credit card users in China is increasing rapidly, and the scale of credit card market is expanding. Disputes between banks and credit card users are on the rise. Although China is speeding up special legislation on credit cards, However, the clear provisions on late payment of credit cards remain only in Article 22 of the "measures for the Administration of Bank Card Business" promulgated by the people's Bank of China in 1999: the minimum amount of outstanding repayment and the excess of credit by the issuing bank to the cardholders of the credit card. The behavior of the quota card, The outstanding portion of the minimum repayment amount should be charged separately, and 5% of the credit line should be charged for late fees and overrun fees. As disputes continue to arise, the deficiencies of its provisions become increasingly prominent. The regulation of credit card late fee is called "lawful robbery" by card people. This article will combine the specific case, start with the relevant theory of credit card late fee, and analyze its existing problems. In order to balance the interests of banks and credit card customers to find a reasonable solution to this problem. This article will discuss the following structure in the context of specific cases:. In the first part, the author briefly introduces the case of the credit card dispute between European meteorite and Minsheng Bank and leads to the focus of the dispute. As the basis of bank credit card late fee collection, the relevant regulations of bank card business management method and contract law are in conflict in essence, and whether the credit card late fee clause is overlord clause or not. In the second part, the origin of credit card late fee is analyzed, and through the comparison between credit card late fee and traditional administrative law late fee, the credit card late fee is qualitatively analyzed. The author draws the conclusion that credit card late payment is essentially the nature of contract breach of contract and briefly analyzes the current legal regulation system of credit card late payment in China. The third part discusses the focus of the dispute and related legal issues related to the case, on the issue of the standard of late fees, the conflict between the term of late payment and the contract law; Whether the late payment clause is the overlord clause and so on carries on the brief legal analysis. The fourth part, from the banks, courts, legislation and consumers themselves, to solve the problem of credit card late fees put forward reasonable suggestions, explore the settlement mechanism of credit card late fee disputes.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2;D922.281;D923.6

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本文編號(hào)：1674961