银行卡业务法律风险防范对策研究

Research on Prevention Countermeasures against Legal Risks in Bank Card Business

银行卡已经成为现代生活中最为频繁使用的重要消费支付工具。随着银行卡业务的不断创新发展,与银行卡业务相关的法律风险趋向于复杂化、多元化。因此,需要梳理、分析银行卡业务内容与法律关系,厘清银行卡业务的主要法律风险。基于风险的预防、承担、分散、规避、转移等策略,应切实防控发卡业务的法律风险,增强持卡人风险防范意识,规范银行卡业务操作行为,提高银行卡系统技术水平,建立全流程风险监测体系等。

bank card has become an important and most-frequently-used payment tool in modern life. With the continuous innovation and development of bank card business, the legal risks related to bank card business tend to be complicated and diversified. Therefore, it is necessary to analyze the relationship between the business content of bank cards and law, and clarify the main legal risks in bank card business. Based on the strategies of risk prevention, undertaking, dispersing, evading and transferring, we should effectively prevent and control the legal risks in card issuing business, enhance the card-holders’ awareness of risk prevention, standardize the operation behavior of bank card business, and improve the technical level of bank card system so as to establish a whole-process risk monitoring system.