北京航空航天大学学报(社会科学版) ›› 2017, Vol. 30 ›› Issue (5): 52-58.DOI: 10.13766/j.bhsk.1008-2204.2015.0253

• 法学论坛 • 上一篇    下一篇

网上银行格式条款法律规制研究

梁樑, 许婷婷   

  1. 中国科学技术大学 管理学院, 安徽 合肥 230026
  • 收稿日期:2015-05-05 出版日期:2017-09-25 发布日期:2017-10-12
  • 作者简介:梁樑(1962-),男,安徽肥东人,教授,博士,研究方向为统计与决策科学.

Research on Legal Regulation of Standard Clauses of Online Banks

LIANG Liang, XU Tingting   

  1. Management School, University of Science and Technology of China, Hefei Anhui 230026, China
  • Received:2015-05-05 Online:2017-09-25 Published:2017-10-12

摘要:

网上银行的使用越来越成为现代年轻人的选择,但是网上银行格式条款是否合法合理却没有引起足够重视,对此的研究有利于识别和防范其中的霸王条款。以中国9家银行的网银为例,运用文本分析法搜集、分析并归类客户服务协议,以合同法和消费者权益保护法为基础分析并找出其中的霸王条款;以3家外资银行作为参考,找出可为中国银行业借鉴的条款。在此基础上,通过分析国际法中格式条款的立法与规制,提出中国可以从条款内容、法律实体、评判主体、管理时间等方面借鉴完善法律规制。

关键词: 网上银行, 客户服务协议, 文本分析法, 格式条款, 法律规制

Abstract:

The use of online banking has become increasingly popular among modern young people, but whether the electronic standard clauses of online banks is legal and reasonable fails to catch enough attention. Research on this subject is helpful to identify and prevent overlord clauses. Taking 9 domestic online banks as an example, this paper uses content analysis method to collect, analyze and classify the customer service agreements, and extracts overlord clauses on the basis of Contract Law and Consumer Protection Law. Then 3 foreign banks' online service agreements were read and compared to identify the clauses that can be used for reference to our domestic banking industry. On this basis, through analyzing the legislation and regulation of standard clausesin international laws, legal regulation measures were put forward in terms of content, legal entities, evaluation subject and management time.

Key words: online banks, customer service agreements, content analysis, standard clauses, legal regulation

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