我国信用卡签名争议的探讨

The Exploration on Disputes of Signature of Credit Card in China

回顾一起关于信用卡冒用诉讼案的案例，结合工作实践，立足相关的法律法规，提出关于“签名争议”的三个焦点问题，即商户有无义务认真审查信用卡背面的签名与POS单上的签名一致；对于“密码＋签名”的信用卡，发生失窃、冒用等情况，在挂失前己产生非本人交易时，责任如何界定；对于由“签名不符”引发的争议，相关部门有无适用的法律依据。通过对有关的国家法律法规和国际组织对此问题的解释及国际惯例对这三个问题的分析，提出了7点解决争议纠纷的建议。

By reviewing a civil lawsuit case of fake credit card use,combining common practice and basing on relevant law regulations, three focuse issues are put forward in this article, that is. commercial customers have or not have the duty to examine and compare the signature with POS slgnature; how to identify the responsibility when credit card is lost, pilfered and credit transaction taken play before credit card holder reporting the loss of credit card in the condition of secret code plus signatur; the relevant departments have or not have the suitable law basis to the disputes arising from＂wrong tally signature＂. The essay advances seven suggestions for the above disputes in the light of the explanations of the relevant law regulations system in some countries, international organization and analysis of internal practice to the above three issues.