论电信网络诈骗中银行的赔偿责任  

On the Compensation Liability of Banks in Telecom Network Fraud

作　　者：黄丽红 HUANG Li-hong(Fujian Police College,Fuzhou 350007,China)

机构地区：[1]福建警察学院法律系,福建福州350007

出　　处：《哈尔滨学院学报》2023年第10期62-65,共4页Journal of Harbin University

基　　金：公安部2021年度公安理论及软科学研究计划项目,项目编号:2021LL26。

摘　　要：电信网络诈骗发生后,持卡受害人普遍认为银行负有不可推卸的责任,《反电信网络诈骗法》第46条第2款也肯定了这一立场。但在受害人要求银行承担赔偿责任之时,该法与《民法典》相关规定之间存在断层,司法操作存在缺陷。基于此,可通过完善银行在民事赔偿责任生成机制上的注意义务,以及明确银行赔偿标准等一系列调适路径,更好实现电信网络诈骗中受害人的权利保护。After the occurrence of telecommunications network fraud,cardholders generally believed that banks had an unshirkable responsibility,and Article 46(2)of the“Anti-Telecommunications Network Fraud Law”also affirmed this position.However,when the victim demanded compensation from the bank,there was a gap between the relevant provisions of this law and“The Civil Code”,and there were deficiencies in judicial operations.Based on this,a series of adjustment paths such as improving the attention obligations of banks in the generation mechanism of civil compensation liability and clarifying bank compensation standards can be used to better protect the rights of victims in telecommunications network fraud.

关 键 词：电信网络诈骗 银行责任 民事赔偿 

分 类 号：D912.281[政治法律—民商法学] D913.7[政治法律—经济法学]