美国银行卡交易授权规则:评析与借鉴

Introductions and comments: Agency rules in bankcard transactions in the U. S.

银行卡已经成为全球最重要的个人支付手段之一。美国制定了较为完善的银行卡交易法律体系,探析美国银行卡交易授权规则,其突出特点是对银行卡消费者的权益给予了充分和适当的保护。银行卡业务近年在中国得到了较迅速的发展,但到目前为止,中国一直没有正式出台规范银行卡业务的法律。借鉴美国相关规则制订中国银行卡交易法律,需注重银行卡交易授权规则、风险分担原则和消费者权益保护规则的建设,这对于维护社会经济活动的稳定有序、促进银行卡产业的健康发展具有重要意义。

Bank card is one of the most important methods for personal payments around the world today. The party that pays the funds and the party that bears the risk depend on the facts that the transaction is under legitimate authorization. On the basis of introducing relative U.S. bankcard regulations, this article makes systematic comments on the protection these regulations make for financial consumers’ benefits, and on the facilitation these regulations provide for the bankcard industries. The article also gives some advice to the legislation of China’s bankcard regulations.