摘要
银行卡非授权交易中的损失分担机制,是金融消费者保护理论在现实中的重要应用。现有的非授权交易损失分担机制,对持卡人采用严格责任,迫使持卡人承担了过重的责任。密码的使用在提高交易效率的同时,也将持卡人置于更为不利的处境。立法者应当考虑到持卡人的有限理性和信息不足等消费者特性,明确规定持卡人在非授权交易中的有限责任制度,合理分担非授权交易的损失。
How to allocate the risk of unauthorized payment in bank card transactions is the important aspect in protecting financial consumers. But in China, bank card holder take too heavy burden, for court makes strict liability to payor, make him take the loss when he can＇t prove the payee or bank did something wrong in the unauthorized payment. Password which used in China pervasive make the situation harder, for payor can＇t prove the payment is unauthorized even at first. Since limited rationality and information imbalance, there should be legislation to provide limited liability to protect bank cards holder as consumer.
出处
《社会科学》
CSSCI
北大核心
2013年第11期86-96,共11页
Journal of Social Sciences
关键词
银行卡
非授权交易
损失分担
金融消费者保护
Bank Card
Unauthorized Payment
Eoss Allocation
Finance Consumer Protection
