金融消费者是金融市场的重要参与者,加强金融消费者权益保护工作,是防范和化解金融风险的重要内容。随着金融市场改革的不断深化,金融消费者权益保护问题日益突出。据统计,投诉涉及银行业务前三位的分别是银行卡、支付结算和征信管理。可见,银行卡业务是消费者高度关注的一块业务。银行卡盗刷案件中存在的问题在当今电子商务时代迅速发展,消费过程日益追求快捷便利的背景下,银行卡因交易便捷在日常生活中的使用越来越 Financial consumers are important participants in financial markets. Strengthening the protection of financial consumers’ rights and interests is an important part of preventing and resolving financial risks. With the continuous deepening of financial market reform, the protection of financial consumers’ rights and interests has become increasingly prominent. According to statistics, the top three complaints relating to banking business are bank card, payment and settlement and credit management. Visible, bank card business is a high degree of concern to consumers of a business. Bank card fraud cases exist in the rapid development of today’s e-commerce era, the pursuit of faster and easier consumer spending in the context of the bank card because of the ease of use in daily life more and more