论银行的安全保障义务——以利用克隆银行卡盗窃为例  

On Security Obligation of Banks——Case Study of Theft Using Cloned Bank Card

作　　者：孙学亮[1] 尤瑞芹[1] 

机构地区：[1]天津商业大学法学院,天津300134

出　　处：《天津商业大学学报》2013年第2期69-72,F0003,共5页Journal of Tianjin University of Commerce

摘　　要：随着网上金融交易的普遍化,金融机构承担的法律风险亦在增加。例如,当有人使用克隆的银行卡盗窃储户存款时,储户往往基于银行未尽到安全保障义务而要求银行承担赔偿责任。对于此类案件,法官应依据诚实信用原则合理界定银行安全保障义务的边界,然后才能确定银行是否尽到安全保障义务。若未尽到,法官需要进一步分析银行未尽安全保障义务的程度及其在造成储户损失的全部原因力中所占比例,进而确定银行承担相应的责任。With the financial transaction on Internet becoming increasingly popular, financial institutions have began to share more legal risks. For example, when someone has stolen deposit with a cloned bank card, the depositor may urge the bank to hold liability for ite failure to fulfill security obligation. For cases like this, the judge should define the limit of security obligation of bank on the principle of good faith to make sure whether the bank has fulfilled its obligation. If the bank hasn＇ t fulfilled its obligation, the judge should further analyze the extent and proportion of the bank＇ s failure causing depositor＇ s loss to determine the bank＇ s corresponding liability.

关 键 词：安全保障义务 诚实信用原则 公平责任原则 原因力 

分 类 号：D923[政治法律—民商法学]