论储户存款丢失案件中的银行法律责任-法学专业论文.docxVIP

为，不管银行主观是否有过错，均需承担违约责任。具体到银行对储户所负的债 为，不管银行主观是否有过错，均需承担违约责任。具体到银行对储户所负的债 务，主要承担方式为损害赔偿与继续履行，在储蓄存款合同中表现为履行支付存 款本金和利息。采取补救措施并不适用于银行对违约责任的承担，原因在于银行 对储户所欠为金钱债务，金钱是可替代的种类物。最后，在违反附随义务时，需 要承担缔约过失的责任。银行的免责事由主要有储户的过错和债权准占有制度。 民事诉讼的整个过程是对法律法规以及相关法学理论由静到动的适用，也是 对银行责任的追究方式之一。民事诉讼中“谁主张谁举证”仍然是此类案件的主 要举证规则。司法实践中，举证责任的分配原则更多的是考虑公平原则、保护储 户权益的价值取向以及当事人双方对证据取得的难易。在事实真伪不明的情况 下，当事人需要承担举证不力的消极法律后果。在个案中，却常常存在证据材料 难以获得、证明力较小的尴尬。 关键词：存款丢失储蓄合同法律责任银行 II 万方数据 AbstractThe Abstract The progress of electronic technology brings not only the convenience of life，but also the subsequent risk．Such as，bank cards are easily stolen and forged．Account information is disclosed or deposit is transferred out illegally because of system vulnerabilities and hackers wim the prevalence of online trading and mobile payment and SO on． In fact，savings deposits is important for every family．The reason for deposit missing is very complex，often involved in criminal cases．The criminal cases are detected difficultly,and won’t been solved frequently，or the criminal suspects cannot pay depositors lose．When the bank depositors find that their own saving deposit is abnormal，they will pursue responsibilities to bank．In their opinion，firstly,the money is deposited in the bank．The depositors themselves have no—fault behavior and presume that banks have default behavior．Secondly，banks accept deposits is not merely to keep，but loan out to ealTl interest．Income comes with risks inevitably．At last，Banks have financial and material resources to bear risks and Pay depositors’ lose． The deposit contract is nameless， and the nature is very controversial in the juristic field．The deposit contract is identified as consumption entrusting contract in continental law countries and consumption lending contract in Anglo—American law system countries．From the perspective of protecting the interests of the depositors，it is more reasonable to tllilll(the deposit contract as consumption entrusting contract．People save the money in the bank in or