本文關(guān)鍵詞： 偽卡交易 發(fā)卡行 法律關(guān)系 民事責(zé)任　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：20世紀(jì)80年代,信用卡作為新型金融支付工具進(jìn)入中國(guó),發(fā)展至今,一方面迅速成為了一種廣受青睞的信用支付工具。另一方面,信用卡卻被一些不法分子利用進(jìn)行偽卡欺詐交易,曝漏出一定的安全隱患。雖然各大商業(yè)銀行已全面投入銀行卡的升級(jí)換代工作中,逐步提高卡片的安全性能。但針對(duì)已經(jīng)發(fā)生的偽卡交易糾紛,由于相關(guān)法律規(guī)制的不足,導(dǎo)致司法實(shí)踐中對(duì)偽卡糾紛中民事責(zé)任的認(rèn)定及承擔(dān)結(jié)果不一,存在諸多爭(zhēng)議。本文通過歷史、比較分析方法從民事法律關(guān)系入手,并考察借鑒域內(nèi)外相關(guān)法律制度,重新構(gòu)建偽卡交易中發(fā)卡行民事責(zé)任的認(rèn)定及承擔(dān)的基本規(guī)則,以期對(duì)我國(guó)實(shí)務(wù)中此類糾紛的解決提供相應(yīng)的理論依據(jù)。文章一共分為六部分。第一章是引言。主要介紹了本文研究問題的學(xué)術(shù)背景、研究意義及寫作思路,并對(duì)國(guó)內(nèi)外的研究現(xiàn)狀進(jìn)行了文獻(xiàn)綜述。第二章是偽卡交易中發(fā)卡行民事責(zé)任認(rèn)定及承擔(dān)的現(xiàn)狀分析。以信用卡民事糾紛為切入點(diǎn),引出現(xiàn)行實(shí)務(wù)中對(duì)發(fā)卡行民事責(zé)任的認(rèn)定及承擔(dān)的司法現(xiàn)狀及不足。第三章將著重分析偽卡交易中發(fā)卡行民事責(zé)任的來源。民事責(zé)任的界定須從分析民事法律關(guān)系入手。首先,重點(diǎn)分析發(fā)卡行與持卡人之間形成的民事法律關(guān)系。其次,基于該民事法律關(guān)系,進(jìn)一步分析偽卡交易糾紛中發(fā)卡行的權(quán)利義務(wù)的范圍。最后,指出在偽卡交易案件中發(fā)卡行承擔(dān)責(zé)任是其違反民事義務(wù)的必然結(jié)果。第四章重點(diǎn)考察美國(guó)以及我國(guó)臺(tái)灣地區(qū)有關(guān)信用卡未授權(quán)使用及冒用的民事責(zé)任的法律規(guī)制,并進(jìn)一步分析我國(guó)在偽卡交易中發(fā)卡行民事責(zé)任認(rèn)定及承擔(dān)規(guī)制的不足及借鑒。第五章具體分析我國(guó)偽卡交易中發(fā)卡行民事責(zé)任的認(rèn)定及承擔(dān)的基本規(guī)則,包括民事責(zé)任的性質(zhì)、歸責(zé)原則、責(zé)任構(gòu)成及免責(zé)事由,并結(jié)合本文案例再析發(fā)卡行民事責(zé)任的承擔(dān)問題。第六章是結(jié)論。根據(jù)全文的分析研究以重新構(gòu)建對(duì)偽卡交易中發(fā)卡行民事責(zé)任的認(rèn)定及承擔(dān)的基本規(guī)則。
[Abstract]:In 1980s, as a new type of financial payment tool, credit card has developed into China. On the one hand, it has become a popular credit payment tool. On the other hand, credit card has become a popular credit payment tool. However, credit cards have been used by some illegal elements to conduct fraudulent transactions, revealing certain security risks. Although the major commercial banks have been fully engaged in the upgrading of bank cards. Gradually improve the security performance of cards. However, due to the lack of relevant legal regulation, the identification and bearing results of civil liability in counterfeit card disputes are different in judicial practice. There are a lot of disputes. This article through history, comparative analysis method from the civil legal relationship, and review the relevant legal systems within and outside the region. Reconstructing the identification and basic rules of the issuing bank's civil liability in the fake card transaction. This article is divided into six parts. The first chapter is the introduction. It mainly introduces the academic background, research significance and writing ideas of this paper. And the domestic and foreign research status quo is reviewed. The second chapter is the credit card transaction in the identification of civil liability and the status quo of the assumption of the analysis. With the credit card civil disputes as the starting point. The third chapter will focus on the analysis of the origin of the civil liability of the issuing bank in counterfeit card transactions. The definition of civil liability should be analyzed from the analysis of civil law. Start with. First. Focus on the analysis of the civil legal relationship between the issuer and the cardholder. Secondly, based on the civil legal relationship, further analyze the scope of the rights and obligations of the issuing bank in the dispute of counterfeit card transaction. Finally. It is pointed out that the liability of the issuing bank in the case of counterfeit card transaction is the inevitable result of its breach of civil obligations. Chapter 4th focuses on the investigation of the laws and regulations concerning the unauthorized use and fraudulent use of credit cards in the United States and Taiwan. System. And further analysis of our country in counterfeit card transactions in the identification of the civil liability of card issuers and the lack of regulation and reference. 5th chapter specific analysis of counterfeit card transactions in China the identification of civil liability and the basic rules of the credit card issuer. Including the nature of civil liability, the principle of liability, liability composition and exemption. Chapter 6th is the conclusion. According to the analysis and research of the full text, the author reconstructs the identification and basic rules of the civil liability of the issuing bank in the transaction of counterfeit card.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.281;D923

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本文編號(hào)：1453638