从ATM机频出假币事件探讨银行责任

On Bank's Responsibility in Affairs of False Currency out of ATM

银行ATM机频出假币事件引发公众对银行的信任危机。持卡人举证责任范围、银行交易安全保证职责都涉及双方切身利益。对于该事件法律关系划分是合同、侵权还是消法维权等问题,关系持卡人交易损失原则适用。应建立持卡人交易损失的救助机制,最大限度地保护持卡人利益。

The frequent affairs of false currency from ATM cause the public＇s trust crisis to bank.The responsibility scope of credit card holders and tranaction security duties of banks involves both parties＇ benefits. Whether the law relation is a contract, infringement or cusumers＇ protection, relates to card holders＇ transaction loss principl. We should build up the salvage mechanism for card holders, so as to maximumly protect card holder＇s benefits.