克隆银行卡案件中的民事责任研究

Civil Liability in the Case of Cloning Bank Card

克隆卡纠纷所涉主体较多且法律关系复杂,尤其是民事责任分担问题,更是争议较多,其中焦点问题是被盗款项的权属问题和责任的具体分担。持卡人与银行之间由于存款而形成债权债务关系,存款由银行取得所有权,并负有对持卡人给付财产的义务。冒领人以克隆卡之信息骗取银行之给付,并不影响持卡人之债权请求,故而银行应对该给付负有责任。当然,如果其能举证持卡人之过错而致银行卡信息泄露,则持卡人亦应承担相应责任。

Clone card dispute involves many subjects and has complex legal relationships,especially the issue of civil liability sharing.Among these,the focus problem is the ownership issue and the burden-sharing problem of the stolen money.Here exist claims and liabilities between the cardholder and the bank deposits.Banks obtain the ownership of deposits and have obligations and responsibility to pay the property to the cardholder.The imper-sonator defrauds the bank’s payment by using the clone card information,but it does not affect the cardholder＆#39;s debt request.Therefore,banks should be responsible for the payment,because the bank did not fulfill the corre-sponding obligation.Of course,if it can be proved that it is the cardholder＇s fault which has caused the leak of bank card information,the cardholder should assume corresponding responsibilities.