银行卡盗刷案民事责任分析

An Analysis of the Civil Liability in Bank Card Abuse

在现实中银行卡盗刷往往是表现为银行卡并没有离开真正的持卡人,但卡内金额却不翼而飞,由此引发的真正持卡人、银行、犯罪分子之间的纠纷也随之增多。对此类案件,在立法层面没有明确的规定,因此,也给司法审判实践带来了不少问题,出现了"同案不同判"现象。究其原因在于民事责任、举证责任分配等方面出现了问题,故而应从持卡人、银行、犯罪分子三者之间的法律关系入手,从合同法、侵权法、民事诉讼法角度,对三者之间的民事责任承担作出分析。

Bank card abuse by criminals begins to appear more often, but the lack of the legislative definition always results in many problems in jurisdiction as the definition of civil liability and the distribution of evident burden are uncertain. This article discusses the relationships between card--holders, banks and criminals, and analyses the civil liability of the three parties from the perspectives of contract law, tort law and civil procedure law.