ATM出错的法律思考

Legal Analysis on the Fail of ATM

ATM在现实运营中难免出错,出错后银行、持卡人的损益结构呈现非对称性特征,是由于相关规定的缺乏或不完善、银行制定的章程以维护银行利益为中心、双方证明能力悬殊等原因造成。为了改变ATM出错后,持卡人、银行损益非对称的不公平局面,应当完善ATM出错的法律制度。具体而言,用法律的形式明确双方的权利和义务,赋予持卡人要求银行提供相关记录的权利,银行要求客户返还不当得利的适当限制,明确ATM的法律地位等。

If ATM fails in operation, the loss and gain of the bank does not match that of the card - holder. This mismatch is caused by the lack of rules, the mono - lateral charters made by banks, and the disparate abilities offering proofs. To change this unfair situation, related laws should be made to clarify the rights and duties of the dual parties, to invest the card - holder of the right to ask for the relevant records from the bank, and to define certainly the ATM＇ s stamils.