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针对银行卡欺诈案件,我国现行立法规定发卡行承担过错责任与合同责任、持卡人承担过错责任或严格责任,这不利于防范欺诈风险。因此,在无法查清过错方或者找不到责任人的情况下,应根据银行卡欺诈损失由成本最低的预防者和最有能力控制者承担原则,针对持卡人欺诈、银行卡被盗、欺诈发行银行卡、实账伪卡和伪账伪卡五种不同情形,按照对发卡行实行严格责任原则、持卡人实行过错责任原则加责任限额制度来重构我国的银行卡欺诈民事责任分配规则。
In the case of bank card fraud, the current legislation of our country requires the issuing bank to bear the fault liability and contractual responsibility, and the cardholder bear the fault liability or strict liability, which is not conducive to guard against the risk of fraud. Therefore, if it is impossible to find fault or can not find the responsible person, the principle that the lowest cost prevention and the most capable controller should be borne according to the fraud loss of bank card should be taken in the light of cardholder fraud, bank card stolen, Fraudulent Issuance of Bank Cards, Reposted elsewhere in the Research Papers Download http://www.hi138.com Five different situations, in accordance with the strict liability of the issuing bank, the cardholder to implement the principle of fault liability and the responsibility limit system to reconstruct the distribution of China’s bank card fraud civil liability allocation rule.