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中青报:卡被盗刷银行全赔何时不再成新闻
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Topic: 中青报:卡被盗刷银行全赔何时不再成新闻 (Read 201 times)
vernonery
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中青报:卡被盗刷银行全赔何时不再成新闻
September 04, 2016, 04:48:16 PM
#1
由于现行法律对“银行卡盗刷”的责任划分没有明确规定,在未来发生类似事件时,不能保证不同地方、不同级别的法院都会判决银行承担全责。
今年3月,广州南沙的周先生突然收到银行卡消费短信,发现自己的银行卡被盗刷了66万元。由于周先生与银行针对盗刷款赔偿问题分歧过大,双方对簿公堂。7月,深圳龙岗区人民法院作出一审判决,认定持卡人对此事不承担过错责任,涉事银行应赔偿储户全部存款损失及相应利息,以及周先生为诉讼花费的3万元律师费。(《信息时报》8月30日)
银行卡被盗刷不是什么新鲜事。但法院判决由银行赔偿被盗刷者的全部损失却比较少见,因此成了社会关注的新闻。本案一审判决诠释了司法正义的内涵,也体现了银行对储户账户安全应尽的义务。储户将存款存入银行,双方之间就形成储蓄存款合同关系,银行有义务保证存款安全,保证银行卡的唯一性和不可复制性。不法分子利用银行卡的安保漏洞复制了事主的银行卡,其后果当然应由银行承担。
然而,面对一审判决,涉事银行提出了上诉,本案二审能否维持原判,依然是一个未知数。由于现行法律对“银行卡盗刷”的责任划分没有明确规定,在未来发生类似事件时,不能保证不同地方、不同级别的法院都会判决银行承担全责。不同法院完全可能因为对法律理解不同,从而作出不一样的判决。
几年前,贵州有过一起类似案件,市民刘先生的一张银行卡被盗刷189万余元,随后他起诉了开户行中国农业银行六盘水分行。六盘水市中级人民法院在一审判决中要求银行承担70%责任,刘先生自负30%。双方均不服并上诉,最终经贵州省高级人民法院判决,由农行六盘水分行负全责并赔偿全部损失。在同一个省,尚且会发生一审、二审法院观点不同的情况,在其他地方就更不必说了。贵州这起案例虽然是由银行不负全责改判为银行负全责,但反过来说,哪怕一审判决银行全赔,谁也不能保证二审结果没有变数。
卡被盗刷后,银行赔偿标准如何统一?银行全赔何时不再成为新闻?回答这一问题,需要法律跟上时代需求。具体而言,就是要及时修订完善现有法律,确立银行对账户使用者的“实质审查义务”,并针对各种特殊情形,出台具体细则,明确银行和用户在银行卡保管、使用上的权利和义务,规定盗刷等并非由用户自身过失造成的意外损失应由银行埋单。
弥补现有法律存在的短板,一能确保法律的严肃性和统一性,给司法公正提供有力保障;二能倒逼银行重新审视现有交易系统的安全隐患,尽快弥补安保工作的不足;三能最大程度保障用户的财产安全,避免用户遭受不必要损失。
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