摘要
中韩两国信用卡业务都始于二十世纪六、七十年代,但因中国信用卡业务比较单一,而且法律法规不完善,所以同韩国的信用卡业务相比较就非常落后。韩国信用卡业务的当事人只有发卡机构、持卡人和特约商户,而中国却还有担保人。在信用卡挂失后的风险承担问题方面,韩国采取的是发卡机构承担主义,而中国采取的却是持卡人承担主义。通过对中韩信用卡法律问题的比较分析,可为中国制定完善的信用卡法律法规提供可借鉴的经验。
Credit cards became available at about the same time in Korea and China, but the rate of development in the two countries differs greatly. According to the Korea Credit Card Business Control Code, the issuer is liable for the use of the credit card when the issuer receives notice that the card is lost or stolen from the cardholder. After the notice is received, it is the liability of the issuer. However, in China, the problem concerning damages occurred by unauthorized use of credit cards are handled according to the bank regulations or member stipulations provided by the issuing bank. In principle, it is the liability of the eardholder.
出处
《现代财经（天津财经大学学报）》
CSSCI
北大核心
2008年第7期77-81,共5页
Modern Finance and Economics：Journal of Tianjin University of Finance and Economics
关键词
信用卡
发卡机构
持卡人
风险承担
Credit Card
Issuer
Cardholder
Concerning Damages
