Report Of The Investigation Into Card Fraud Casses Of Gansu Agriculture Bank

With the continuous development of internet and electronic information technology, the bank card market of China has step into fast growing period with the rapid development of bank card business. At the same time, the business risk of bank card emerged gradually, particularly the issue of pirate and fraudulent using of bank cards appeared in large numbers, which exposed the legal risks of bank card business absolutely. In recent years, the prominent cases of pirate and fraudulent using of bank cards have highlighted in Agricultural Bank of Gansu Province, with serious damages to the interests of cardholders, the security of bank cards was doubted as well, meanwhile, a double lose both in funds and reputation of the bank also suffered lot which is not conducive to the healthy and continuing development of bank card business. A well-known understanding of the current situation of the fraudulent using of credit card in the ABC systems in Gansu, and the analyzing of incidence reasons, rational thinking and processing of bank card to prevent fraudulent countermeasures dispute, for the protection of the legitimate rights and interests of the majority of cardholders, and establish commercial banks "safe and reliable "The social image, building a harmonious socialist society has important theoretical discussions and practical significance.Firstly, the present study used the methods of empirical analysis, investigated and analyzed about 20 cases of fraudulent credit card dispute incidences of Gansu Agricultural Bank of China since 2000, including the main types of cases and the damages, thus providing relevant cases and information for the prevention against disruptions in fraudulent use of credit card. Second, the analysis of dispute fraudulent credit card frequent causes of key technical level from the legislative laws and regulations of the bank card lag, compared the use of comparative analysis of domestic and foreign bank card status of legislation. Again, using theoretical analysis method of dispute fraudulent credit card involved in criminal, civil, discussion of legal issues, focusing on controversial judicial practice, the burden of proof allocation, attribution and other issues of civil liability. Finally, the law against bank card fraudulent legislative proposals and bank risk management strategies, supporting legislation proposed to speed up the pace of bank cards, and the framework of relevant content to be elaborated in order to be able to prevent fraudulent bank card has the legal risks benefits.