| dc.contributor.advisor | 黃立 | zh_TW |
| dc.contributor.author (Authors) | 羅雪舫 | zh_TW |
| dc.creator (作者) | 羅雪舫 | zh_TW |
| dc.date (日期) | 2008 | en_US |
| dc.date.accessioned | 8-Dec-2010 17:36:26 (UTC+8) | - |
| dc.date.available | 8-Dec-2010 17:36:26 (UTC+8) | - |
| dc.date.issued (上傳時間) | 8-Dec-2010 17:36:26 (UTC+8) | - |
| dc.identifier (Other Identifiers) | G0095651012 | en_US |
| dc.identifier.uri (URI) | http://nccur.lib.nccu.edu.tw/handle/140.119/49725 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 法律學研究所 | zh_TW |
| dc.description (描述) | 95651012 | zh_TW |
| dc.description (描述) | 97 | zh_TW |
| dc.description.abstract (摘要) | 發卡機構與持卡人間之法律關係屬於委任契約性質特約商店是發卡機構之代理人，代理人之認知視同本人之認知，若特約商店明知或因重大過失而不知冒用行為時，應視同發卡機構對於冒用行為明知或因重大過失不知，而不能依擔保條款向付款人請求付款，對消費者保護較為周全，合先敘明。關於信用卡交易中之抗辯接續問題，我國並無直接規範之法規存在，而在實質上提到此問題者可見信用卡定型化契約範本第十一條，其規定關於持卡人與發卡機構間之信用卡契約，除例外之情形，原則上發卡機構得基於該約款，否認持卡人援用其對特約商店所生權利以拒絕付款之主張。發卡機構與持卡人間就持卡人剩餘未償還款項應成立消費借貸契約，亦即持卡人以循環信用方式繳納因使用信用卡而生之消費帳款或其他費用時，即為持卡人向發卡銀行借款，持卡人於繳款截止時前僅繳納最低應繳金額，而尚有餘額未繳者，即以未繳納之部分，為借款金額；持卡人於繳款截止日前未繳納任何款項者，即以當期全部應繳款項，為借款金額，而循環信用既然屬於消費借貸契約，而且係基於信用卡定型化契約之約定，故循環信用之利息，即為約定利息。信用卡定型化契約範本第二十一條與範本第二十二條第一項與第二項作有規定，本文認為在「無須事先通知或催告」部分，違反意思表示到達之強行規定而無效，該條款亦違反消保法施行細則第十四條第四款之平等互惠原則；「持卡人為法人或非法人團體之法定代理人、代表人、管理人者，關於該法人或非法人團體經票據交換所公告拒絕往來，發卡銀行可主張使用限制條款及加速條款」部分，無異因第三人之行為而懲罰持卡人，亦違反平等互惠原則（消保法施行細則第十四條第四款）。 | zh_TW |
| dc.description.tableofcontents | 第一章 緒論...... 3第一節 研究動機與目的..... 3第二節 研究方法與範圍..... 3第三節 研究架構.. 4第二章定型化契約條款在消保法與民法之適用.... 6第一節 定型化契約條款之意義..... 7第二節 定型化契約條款之解釋..... 8一、基本理論..... 8二、信用卡約款... 9第三節 定型化契約條款之管制...... 10第三章 信用卡交易相關糾紛.. ........21第一節 信用卡被冒用之風險分擔...... 21第一款 信用卡契約當事人之法律關係... 21第二款 銀行概括免責條款........... 37第三款 二十四小時風險轉嫁條款...... 38第四款 自負額條款................. 56第五款 抗辯延伸條款............... 68第六款 結論...................... 71第二節 附卡持卡人之連帶清償責任.... 72第一款 附卡制度來源............... 72第二款 法律關係.................. 73第三款 範本規定及相關主管機關見解... 74第四款 實務見解.................. 79第五款 評析(代結論)............... 98第三節 循環信用利息及違約金........ 103第一款 循環信用利息之意義及性質.... 103第二款 循環利率條款之效力......... 106第三款 循環信用利息之起息日........ 111第四款 遲延繳款違約金或手續費條款... 112第五款 相關主管機關意見及實務見解... 114第六款 美國法制.................. 118第七款 評析...................... 121第四節 其他爭議問題............... 123第一款 使用限制條款及加速條款...... 123第二款 抵銷條款.................. 128第三款 匯率與手續費............... 131第四章 結論...................... 133 | zh_TW |
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| dc.language.iso | en_US | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0095651012 | en_US |
| dc.subject (關鍵詞) | 信用卡 | zh_TW |
| dc.subject (關鍵詞) | 定型化契約 | zh_TW |
| dc.title (題名) | 信用卡約款與消費者保護 | zh_TW |
| dc.type (資料類型) | thesis | en |
| dc.relation.reference (參考文獻) | 一、中文部分 | zh_TW |
| dc.relation.reference (參考文獻) | （一）書籍（依筆劃順序） | zh_TW |
| dc.relation.reference (參考文獻) | 1.王澤鑑，債編總論，民國七十九年。 | zh_TW |
| dc.relation.reference (參考文獻) | 2.司維瑄，信用卡定型化契約條款之研究，政治大學法律系碩士論文，中華民國九十一年六月。 | zh_TW |
| dc.relation.reference (參考文獻) | 3.黃立，民法總則，二００五年九月。 | zh_TW |
| dc.relation.reference (參考文獻) | 4.黃立，民法債編總論，二００六年十一月。 | zh_TW |
| dc.relation.reference (參考文獻) | 5.楊淑文，新型契約與消費者保護法，一九九年五月。 | zh_TW |
| dc.relation.reference (參考文獻) | 6.詹森林，民事法理與判決研究（三）─消費者保護法專論，二００三年八月。 | zh_TW |
| dc.relation.reference (參考文獻) | 7.詹森林，民事法理與判決研究（四）－消費者保護法專論，二００七年一月。 | zh_TW |
| dc.relation.reference (參考文獻) | 8.謝佳雯，信用卡約款在消費者保護法上之分析，八十四年台大法律研究所碩士論文。 | zh_TW |
| dc.relation.reference (參考文獻) | （二）期刊 | zh_TW |
| dc.relation.reference (參考文獻) | 1.民法定型化契約規範之適用與解釋，朱柏松，月旦法學雜誌，一九九九年十一月。 | zh_TW |
| dc.relation.reference (參考文獻) | 2.定型化契約之基本問題，詹森林，月旦法學雜誌，一九九六年三月 | zh_TW |
| dc.relation.reference (參考文獻) | 3.定型化契約條款的規制──若干經濟觀點的介紹，楊芳賢，政大法學評，二００五年八月 | zh_TW |
| dc.relation.reference (參考文獻) | 4.定型化契約條款效力之規範 ─ 最高法院90年臺上2011號、91年臺上2220號、92年臺上39號判決之商榷，詹森林，律師雜誌，二００四年六月 | zh_TW |
| dc.relation.reference (參考文獻) | 5.信用卡約款在消費者保護法之分析，謝佳雯，月旦法學雜誌，一九九六年二月 | zh_TW |
| dc.relation.reference (參考文獻) | 6.契約自由的限制，黃立，月旦法學雜誌，二００五年十月 | zh_TW |
| dc.relation.reference (參考文獻) | 7.契約自由與定型化契約的管制，陳聰富，月旦法學雜誌，二００二年十二月 | zh_TW |
| dc.relation.reference (參考文獻) | 8.消費者保護法：第四講 消保法的定型化契約條款(一)，黃立，月旦法學教室，二００四年十一月 | zh_TW |
| dc.relation.reference (參考文獻) | 9.消費者保護法之定型化契約最新實務發展，詹森林，月旦法學雜誌，二００二年十二月 | zh_TW |
| dc.relation.reference (參考文獻) | 10.從消費者保護之觀點檢討金融卡盜領之風險分擔原則―以九十年上字第三三○號判決為例，杜怡靜，月旦法學雜誌，二００四年五月 | zh_TW |
| dc.relation.reference (參考文獻) | 11.試論民法債編修正對銀行定型化契約中「保證條款」之影響，陳秋華，律師雜誌，一九九九年五月 | zh_TW |
| dc.relation.reference (參考文獻) | 12.論消費者保護法上定型化契約規定對於非消費關係之適用--最高法院四則相關判決評釋 (下)，曾品傑，臺灣本土法學雜誌，二００四年一月 | zh_TW |
| dc.relation.reference (參考文獻) | 13.論消費者保護法上定型化契約規定對於非消費關係之適用--最高法院四則相關判決評釋 (上)，曾品傑，臺灣本土法學雜誌，二００三年十二月 | zh_TW |
| dc.relation.reference (參考文獻) | 14.由信用卡實務問題論消費者信用保護，王偉光，月旦法學雜誌，一九九五年十一月 | zh_TW |
| dc.relation.reference (參考文獻) | 15.定型化契約之基本問題，詹森林，月旦法學雜誌，一九九六年三月 | zh_TW |
| dc.relation.reference (參考文獻) | 16.信用卡交易中之抗辯的接續，陳洸岳，政大法學評論，二００一年三月 | zh_TW |
| dc.relation.reference (參考文獻) | 17.信用卡交易之法律性質及其相關法律問題之研究(1) ─ 信用卡交易之三面法律關係及冒用風險轉嫁條款，楊淑文，政大法學評論，一九九八年三月 | zh_TW |
| dc.relation.reference (參考文獻) | 18.信用卡定型化保證條款之效力（一），詹森林，月旦法學雜誌，一九九五年十一月 | zh_TW |
| dc.relation.reference (參考文獻) | 19.信用卡定型化保證條款之效力（二），詹森林，月旦法學雜誌，一九九五年十二月 | zh_TW |
| dc.relation.reference (參考文獻) | 20.信用卡定型化保證條款之效力（三），詹森林，月旦法學雜誌，一九九六年一月 | zh_TW |
| dc.relation.reference (參考文獻) | 21.信用卡附贈旅行平安險的爭議，黃立，臺灣本土法學雜誌，二００三年十一月 | zh_TW |
| dc.relation.reference (參考文獻) | 22.信用卡約款在消費者保護法之分析，謝佳雯，月旦法學雜誌，一九九六年十二月 | zh_TW |
| dc.relation.reference (參考文獻) | 23.信用卡當前重要法律問題概說，黃茂榮，法令月刊，二００四年十月 | zh_TW |
| dc.relation.reference (參考文獻) | 24.信用卡當前重要法律問題概說，黃茂榮，植根雜誌，二００四年九月 | zh_TW |
| dc.relation.reference (參考文獻) | 25.冒名申請信用卡的法律關係，黃立，月旦法學雜誌，二００一年五月 | zh_TW |
| dc.relation.reference (參考文獻) | 26.從消費權益論信用卡交易行為，尹章華，法律評論，一九九六年九月 | zh_TW |
| dc.relation.reference (參考文獻) | 27.從消費權益論信用卡法律關係 (下)，尹章華，司法周刊，一九九六年十月 | zh_TW |
| dc.relation.reference (參考文獻) | 28.從消費權益論信用卡法律關係 (上)，尹章華，司法周刊，一九九六年十月 | zh_TW |
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| dc.relation.reference (參考文獻) | 二、英文部分 | zh_TW |
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| dc.relation.reference (參考文獻) | 三、其他 | zh_TW |
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| dc.relation.reference (參考文獻) | 2.http://cn.exchange-rates.org/history/CNY/TWD/T | zh_TW |
