短信银行服务发展现状及相关法律问题研究

The Development Status of Short Message Service in Commercial Banks and Its Potential Legal Issues

短信银行服务是商业银行借助现代信息技术,向客户提供信息和金融交易的新型金融服务方式,是当代金融发展的新趋势。商业银行在为客户提供服务的同时,必须关注新业务带来的法律风险,并采取有效措施加以防范。具体来讲,对于付费类短信服务,银行应严格按照合同约定履行义务;对于营销类免费信息,银行在发送之前要取得客户口头或者书面的同意,并应保留相应的证据;对于非营销类免费短信,虽然这类信息极大地方便了客户办理银行业务,但如果客户对银行发送该类信息存在异议,银行应当立即停止向该客户发送,避免因此出现纠纷。

With the aid of modern information technology, commercial banks are providing their clients with various information and financial trading services via short message service （SMS）, a fresh financial service method and representing a new developing trend. With legal risks inherent in this service, it is critical for banks to take effective measures to control and manage these risks. For fee-based SMS, banks should execute their obligations according to the terms of the contract. For non-fee-based marketing SMS, clients＇ verifications, verbal or written, are required frist and commercial banks should record them properly. For non-fee-based and non-marketing SMS, although such service can facilitate customers to deal with various businesses, if they show objections for them, banks should cease such service immediately to avoid disputes.