伪造银行卡盗刷损失承担研究-法律专业毕业论文.pdfVIP

摘 要 摘 要 随着我国银行卡日益普及，不法分子通过伪造银行卡盗取持卡人卡内 资金的案件日渐高发,严重影响了持卡人和银行的资金安全。由于我国现有 的法律法规和司法解释对此没有具体规定，这不仅给法院处理此类案件带 来相当难度，也影响司法裁判尺度的统一。本文分四大部分对伪造银行卡 盗刷损失的承担进行论述。第一部分通过两个相似案情的案例介绍,指出我 国银行卡立法的滞后导致司法实践中同案不同判现象时有发生。第二部分 明确银行卡概念、特征及种类，并分别对借记卡持卡人和信用卡持卡人与 发卡行之间的法律关系进行论述。第三部分提出应该依据过错原则确定银 行和持卡人的责任，特殊情况下适用公平原则，并论述持卡人和银行应该 承担的举证内容。第四部分根据上文分析的法律关系、归责原则和举证内 容，提出银行和持卡人应该根据各自过错承担相应的民事责任，特约商户 无责任，而盗刷者不仅要承担民事责任，更要承担刑事责任。 关键词：伪银行卡，法律关系，举证责任分配，责任承担 I 摘 要 ABSTRACT With the increasing popularity of bank cards, criminals forged bank card to steal money, cardholders card cases increases highly, which seriously affected the financial security of the cardholder and the bank. Because of Chinas existing laws and regulations and judicial interpretations have no specific provision, it not only brings to the courts handle such cases quite difficult, also affects the unity of the judicial referee scale. This article is divided into four parts for discussing pseudo fraudulent bank card loss. The first part through the introduction of the two similar cases, which pointed out Chinas banking card lag legislation resulted in judicial practice have occurred codefendant different sentence phenomenon. The second part identifies the bank card concept, characteristics and types to discuss the legal relationship between the debit cardholders credit、cardholders and issuers. The third part presents it should be determined on the basis of the principles of fault liability and the cardholders bank for fairness under special circumstances, also discussed the cardholder and the bank sho