The Responsibility Of Issuing Banks In Fraudulent Credit Card Transactions

Counterfeit credit card transactions in essence is illegal credit card use,its object is the cardholder’s privacy rights,constitutes the civil tort,and caused the cardholder’s credit card capital rights and interests are violated,in the judicial practice in our country,the cardholder’s damage results are generally in accordance with the agreement on the cardholder and card issuers of credit card recipients agreement responsibility share the format of the clause,the reality often because can’t find the infringement responsibility or tort responsibility compensation ability,and Banks are in a standard contract disclaimer does not assume risk,the losses shall be borne by the cardholder,in most cases or card holder and special merchant assumed jointly.Credit card transactions will be subject to study the legal relationship,find out the existing in the legal rules and regulations not perfect place,draw lessons from foreign legal system suitable for the present situation of our country credit card transactions,balance the cardholder and the rights and obligations between card issuers,better safeguard the rights and interests of cardholders.With the development of science and technology,forge credit card also involved in the process of trading financial electronic trading,this article aimed at the practice question analysis,comprehensive analysis shows that the issuing bank’s responsibility,not only provided the research material for the future financial electronic trading,also provide strong support for the case in the future,has great practical significance.This paper discusses on the forge credit card transactions in the current situation of the issuer responsibility,in draw lessons from foreign and our country Taiwan area,on the basis of relevant legal system,this paper discusses the forge credit card transactions in the issuer responsibility cognizance and bear.