銀行卡非授權(quán)交易中損失分擔(dān)機制的法律問題研究.pdf

1、摘要II 一、學(xué)位論文獨創(chuàng)性聲明 一、學(xué)位論文獨創(chuàng)性聲明AbstractIIABSTRACTBank card as a new comprehensive financial instruments, and with it theadvantage of quick and convenient payment, has now become one of the world's mostimportant means of

2、 payment.With the development of banking payment, follow thecontradictions and disputes will be increased gradually, removing malicious overdraftcredit card bank card transaction conflicts of this kind, including unautho

3、rized tradingcases conflicts especially.Mainly because compared to traditional means of payments,bank card owner standard terms set by the banks not only have no choice but alsofacing an endless stream of digitized techn

4、ical vulnerabilities, which result in a moreserious harm to its interests, making it weaker and more significant.Yet bank cardowner protection of rights and interests related to the successful development of thebank card

5、 business, so it needs in the event of unauthorized transactions fornon-authorized transactions identified and liability for cardholders on preferentialprotection.Throughout the bank card loss sharing mechanism in unauth

6、orized transactions,and the enactment of a special law of the United States and rely on the businesspractices of United Kingdom compared, both in laws and regulations as well asindustry management provisions are inadequa

7、te, which protect card holders ' interestin a vulnerable position especially.Therefore, our country, learn from foreignadvanced and complete legislation, by focusing on bank card owner the rights to build,develop spe

8、cialized legal and rational allocation of the burden of proof after the loss,loss of sharing the responsibility, right on the perfection of remedy and specificationfor bank card business, thus promoting the improvement o