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

【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,銀行卡消費者的權(quán)益比一般消費者更容易受到侵害,具體有以下幾種情形:銀行制定的格式條款讓消費者無從選擇、銀行不與消費者商量擅自收年費、商家拒絕消費者刷卡等。為了消除銀行卡交易對消費者權(quán)益的種種限制和剝奪,同時由于銀行卡消費者在使用銀行卡時處于主導地位及弱者地位,我們必須對銀行卡消費者權(quán)益進行保護,以促進銀行卡業(yè)務(wù)的健康快速發(fā)展。由于銀行卡交易的特殊性,其消費者的具體權(quán)利較一般消費者也有所不同,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者權(quán)益的保護有兩種基本模式,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、銀行的風險承擔、特約商戶的風險責任等等,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)成對銀行卡消費者保護的一個重要途徑。 目前我國立法對于銀行卡消費者權(quán)益的保護還很不夠,無論是法律法規(guī)還是行業(yè)管理規(guī)范都有所欠缺,對銀行卡消費者起不到應(yīng)有的保護作用。因此,根據(jù)中國的國情,可借鑒美國的保護模式,盡快完善我國小額電子資金劃撥方面的立法,其中重點應(yīng)關(guān)注銀行卡消費者特殊權(quán)利體系的構(gòu)筑、未經(jīng)授權(quán)的資金劃撥責任劃分、證明責任的確定、因第三方過錯造成的終極法律責任的承擔等內(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.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2006
【分類號】：D923.8;D922.28

【引證文獻】

相關(guān)碩士學位論文 前10條

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

2 陳雨璐;金融消費者保護機構(gòu)研究[D];中國政法大學;2011年

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

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

5 范曉雪;我國金融消費者權(quán)益保護問題研究[D];東北財經(jīng)大學;2011年

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

7 王瑤;銀行卡欺詐風險防控機制法律研究[D];廣西大學;2011年

8 李斌;論銀行消費者的權(quán)益及其保護機制[D];華僑大學;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;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;2010年

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本文編號：1449139