Bank Cardholders Funds The Right To Security Protection

Purpose of this article is studying the protection of the right to the safety of funds of the banking card holders through analysis of the theories about the safety of funds and at meantime to discuss how to protect consumers of debit card in legal. Banking card means that kind of credit payment instrument which is afforded by the merchant banks. These banks have the functions of consumption, cash settlement and others. In this article, banking card means debit card, not including credit card or others. For protecting the right of the banking card holders, this article launches sequentially in three aspects.The first section discusses the foundation theories of the safety of funds, which is needed to be protected. The right of safe fund means the money of the banking card holders cannot be decreased improperly. A lot of law problems happen in the banking card domain. But the laws in existence in this area have to be improved. In this section, penman has studied the banking card laws of China in existence. By studying the reasons and represent forms of the banking card holder whose right suffered, penman points out the requirement of the protection to the card users.The second section is the general introduction of the legal relationships among the parties, including cardholder and issued bank and special nominated supplier. Banking card business develops quickly in all these years. The areas that can use banking card broaden and the studies of the basic theories of this area increase fast. The parties'rights and obligations are different from the normal contract's parties'. This section studies the ways on how to protect the consumers'right interests of debit card of various countries. The purpose of these modes is to prevent the bank from shifting the risk to the consumers.The third section studies the ways on protecting the banking card holders'right legally. In the first two sections, penman firstly studies the foundation the protection of the banking card holders'rights. And then, penman discusses the laws of debit card and inequity of consumers' rights. By referencing other countries'experience in this area, penman brings forward some ideas on resolving the problems to protect the banking card holders'legal rights. In conclusion, offering some ideas on consummating the laws'system of protecting the banking holders' rights.