网上银行被盗银行承担举证责任的案例评析

在无法举证过错、证据相对不足的情况下,如何配置举证责任,如何分配损失承担,是网上银行被盗后法律需要预设解决的问题。储户在网上银行的存储构成了和银行的债权合同关系,银行是存入资金的所有者,理应承担被盗损失,银行应作为第一损失承担者,负有首要责任并承担主要的举证责任。同时,也要增加储户的安全注意义务,防止恶意储户骗取银行赔偿,改进技术,增加银行的安全保障措施和加大对金融消费者的民事保护力度。对银行配置严格责任才能增强储户对银行金融创新业务的信赖,从长远促进银行业的发展。

Review on Cases of Bank's Burden of Proof for Internet Bank Larceny

Under the circumstances of being unable to prove the fault and the lack of evidences,how to allocate the loss and burden of proof should be preinstalled by legislation for cases of internet bank larceny.The depositors' savings in the internet bank constitutes a relation of creditor's contract with the bank,which is a possessor of the savings,so banks should bear the loss.As the first loss undertaker,the bank ought to assume the main liability and the burden of proof.Meanwhile,the customers should enhance th...