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我国一些银行的规定中指出,银行卡丢失后在没有挂失之前,以及在挂失的当天以及第二天所产生的损失和责任都是由信用卡的持卡人进行承担。但是对经济进行分析、研究、比较以及从法学的角度分析,得到的结论应该是将银行卡的风险责任承担建立在责任限制的无过错责任之上,本文就银行卡责任承担规则之民法特点进行分析。
Some banks in our country have stipulated that the loss and liability incurred on the day when the bank card is lost, and on the day it is reported as well as the next day, are borne by the cardholder of the credit card. However, the analysis of the economy, research, comparison and analysis from the legal point of view, the conclusion should be based on the bank card’s risk liability commitment to establish liability liability on the fault-free, this paper on the bank card responsibility to bear the rules of civil law characteristics analysis.