發(fā)布時(shí)間：2018-01-20 18:19

  本文關(guān)鍵詞： 銀行卡 消費(fèi)者權(quán)益 保護(hù)途徑 立法模式　出處：《湖南大學(xué)》2006年碩士論文　論文類型：學(xué)位論文

【摘要】： 銀行卡是一種支付工具和信用憑證,具有方便、安全和高效的優(yōu)越性。銀行卡可分為信用卡、儲值卡和借記卡。常見的銀行卡使用方式有POS、ATM等。 近年來,我國銀行卡發(fā)卡業(yè)務(wù)發(fā)展迅速,但這卻并未帶來銀行卡業(yè)務(wù)的繁榮。其原因是,由于銀行卡的虛擬性、電子性、及其出現(xiàn)時(shí)間的短期性,與傳統(tǒng)的信用憑證或支付工具相比,銀行卡消費(fèi)者的權(quán)益比一般消費(fèi)者更容易受到侵害,具體有以下幾種情形:銀行制定的格式條款讓消費(fèi)者無從選擇、銀行不與消費(fèi)者商量擅自收年費(fèi)、商家拒絕消費(fèi)者刷卡等。為了消除銀行卡交易對消費(fèi)者權(quán)益的種種限制和剝奪,同時(shí)由于銀行卡消費(fèi)者在使用銀行卡時(shí)處于主導(dǎo)地位及弱者地位,我們必須對銀行卡消費(fèi)者權(quán)益進(jìn)行保護(hù),以促進(jìn)銀行卡業(yè)務(wù)的健康快速發(fā)展。由于銀行卡交易的特殊性,其消費(fèi)者的具體權(quán)利較一般消費(fèi)者也有所不同,除了一般的權(quán)利之外,還包括隱私權(quán)、知情權(quán)、消費(fèi)信用權(quán)、平等獲得信貸權(quán)、合同撤銷權(quán)以及抗辯權(quán)等。 國際上對銀行卡消費(fèi)者權(quán)益的保護(hù)有兩種基本模式,一是制定相關(guān)的專門法,以美國為代表;另一種是依賴商業(yè)慣例,以英國為代表。由于美國銀行法體系在世界上處于領(lǐng)先水平,其對銀行卡交易各方基本權(quán)利義務(wù)的規(guī)定,如持卡人的保護(hù)、銀行的風(fēng)險(xiǎn)承擔(dān)、特約商戶的風(fēng)險(xiǎn)責(zé)任等等,也值得我們借鑒。另外,由于銀行卡交易中不合理格式條款的存在也侵犯了消費(fèi)者的權(quán)益,因此對格式條款的規(guī)制構(gòu)成對銀行卡消費(fèi)者保護(hù)的一個(gè)重要途徑。 目前我國立法對于銀行卡消費(fèi)者權(quán)益的保護(hù)還很不夠,無論是法律法規(guī)還是行業(yè)管理規(guī)范都有所欠缺,對銀行卡消費(fèi)者起不到應(yīng)有的保護(hù)作用。因此,根據(jù)中國的國情,可借鑒美國的保護(hù)模式,盡快完善我國小額電子資金劃撥方面的立法,其中重點(diǎn)應(yīng)關(guān)注銀行卡消費(fèi)者特殊權(quán)利體系的構(gòu)筑、未經(jīng)授權(quán)的資金劃撥責(zé)任劃分、證明責(zé)任的確定、因第三方過錯(cuò)造成的終極法律責(zé)任的承擔(dān)等內(nèi)容。
[Abstract]:Bank card is a kind of payment tool and credit certificate, which has the advantages of convenience, security and efficiency. Bank card can be divided into credit card, stored value card and debit card. In recent years, China's bank card business has developed rapidly, but this has not brought about the prosperity of bank card business. The reason is that the bank card is fictitious, electronic and short-term. Compared with traditional credit documents or payment tools, bank card consumers' rights and interests are more vulnerable to infringement than the average consumer. The bank does not discuss with the consumer to collect the annual fee without authorization, the merchant refuses the consumer to brush the card and so on. In order to eliminate the bank card transaction to the consumer rights and interests each kind of restriction and the deprivation. At the same time, because the bank card consumer is in the dominant position and the weak position when using the bank card, we must protect the bank card consumer's rights and interests. In order to promote the healthy and rapid development of bank card business. Due to the particularity of bank card transactions, the specific rights of consumers are also different, in addition to the general rights, but also includes the right to privacy, the right to know. Consumer credit right, equal access to credit right, contract cancellation right and defense right and so on. There are two basic models for the protection of consumers' rights and interests of bank cards in the world, one is to formulate relevant special laws, represented by the United States; The other is dependent on business practices, represented by the United Kingdom. Because the United States banking law system is in the leading level in the world, its provisions on the basic rights and obligations of the parties to bank card transactions, such as the protection of cardholders. The risk assumption of the bank, the risk responsibility of the special merchants, and so on, are also worthy of our reference. In addition, the existence of unreasonable format clauses in bank card transactions also infringes on the rights and interests of consumers. Therefore, the regulation of format clauses constitutes an important way to protect bank card consumers. At present, the legislation of our country is not enough to protect the rights and interests of bank card consumers, whether laws or regulations or industry management norms are lacking, the bank card consumers can not play a due protection role. According to the national conditions of China, we can learn from the protection mode of the United States, and improve the legislation on the transfer of small electronic funds as soon as possible, among which we should focus on the construction of the special right system of bank card consumers. The responsibility division of unauthorized fund transfer, the determination of the burden of proof, the ultimate legal liability caused by the fault of the third party and so on.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2006
【分類號】：D923.8;D922.28

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前10條

1 李燕霞;信用卡業(yè)務(wù)法律風(fēng)險(xiǎn)控制與監(jiān)管研究[D];中國政法大學(xué);2010年

2 陳雨璐;金融消費(fèi)者保護(hù)機(jī)構(gòu)研究[D];中國政法大學(xué);2011年

3 唐蓉;金融消費(fèi)者知情權(quán)與隱私權(quán)保護(hù)研究[D];中南大學(xué);2011年

4 王默晗;金融服務(wù)領(lǐng)域消費(fèi)者權(quán)益保護(hù)研究[D];黑龍江大學(xué);2010年

5 范曉雪;我國金融消費(fèi)者權(quán)益保護(hù)問題研究[D];東北財(cái)經(jīng)大學(xué);2011年

6 麻松林;我國銀行小額賬戶管理費(fèi)法律問題研究[D];西南政法大學(xué);2011年

7 王瑤;銀行卡欺詐風(fēng)險(xiǎn)防控機(jī)制法律研究[D];廣西大學(xué);2011年

8 李斌;論銀行消費(fèi)者的權(quán)益及其保護(hù)機(jī)制[D];華僑大學(xué);2007年

9 張亮淵;信用卡格式合同法律問題研究[D];上海交通大學(xué);2008年

10 朱淑君;我國銀行卡產(chǎn)業(yè)發(fā)展研究[D];西南石油大學(xué);2010年

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本文編號：1449139