集中式银商转账业务中银行承担的责任——对王某诉中国工商银行股份有限公司红桥支行合同纠纷案的评析  

The Judicial Review of the Bank's Responsibility in the Transfer of Centralized Banking Business——Comment on the Case of Contract Dispute between Wang and ICBC Co. Ltd.

作　　者：刘畅 

机构地区：[1]天津市红桥区人民法院研究室,天津300130

出　　处：《天津法学》2017年第4期91-96,共6页Tianjin Legal Science

摘　　要：大宗商品电子交易市场属于通过利用互联网与电子商务搭建的平台,以大宗商品、产权为交易对象进行批量交易、交收、结算、仓储等相关业务事宜的交易市场。目前缺乏明确的法律定位和行业定性,经营上存在较大随意性,处于"诸侯割据、群雄争霸"的局面,借款人募集款项之后跑路的情况屡见不鲜,受害的投资者迫不得已将相关银行列为被告诉诸法院,请求主张银行违约、怠于行使监督职责、承担损害赔偿责任。实践中法院囿于现行法律法规滞后和投资者举证能力较弱的限制,往往对投资者的诉求难以支持。笔者从所在的法院审理过的一件大宗商品电子交易市场投资者诉银行的案例入手,探究出集中式银商转账的业务流程,通过对案件涉及的两个争议焦点的分析,总结出该类案件的裁判规则。The commodity electronic trading market is a wholesale market specializing in the electronic transactions hedging. Because of the lack of the legal position and industry qualitative, there is a great randomness in the operations and the business is in disorder. When the borrowers disappear, the injured investors have to make the relevant commercial banks as defendants to the court. In practice, the court is constrained by the lag of existing laws and the investors＇ weak proof ability, and it is often difficult to support the investors＇ appeal. In this thesis,the author chooses a case which is judged in her court and explores the commodity electronic trading business process. The author probes into the business process of centralized bank transfer, and summarizes the rules of judging the cases by analyzing the two controversial focuses of the case.

关 键 词：集中式银商转账 银行 监管责任 违约责任 

分 类 号：D912.28[政治法律—民商法学]