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Wang Chunsheng v. Zhang Kaifeng, Nanjing Engineering Vocational College of Jiangsu Province, Nanjing Branch of China Merchants Bank Co., Ltd., and Credit Card Center of China Merchants Bank Co., Ltd. (A case about tort disputes)
王春生诉张开峰、江苏省南京工程高等职业学校、招商银行股份有限公司南京分行、招商银行股份有限公司信用卡中心侵权纠纷案
【法宝引证码】

Wang Chunsheng v. Zhang Kaifeng, Nanjing Engineering Vocational College of Jiangsu Province, Nanjing Branch of China Merchants Bank Co., Ltd., and Credit Card Center of China Merchants Bank Co., Ltd. (A case about tort disputes)
(A case about tort disputes)
王春生诉张开峰、江苏省南京工程高等职业学校、招商银行股份有限公司南京分行、招商银行股份有限公司信用卡中心侵权纠纷案

Wang Chunsheng v. Zhang Kaifeng, Nanjing Engineering Vocational College of Jiangsu Province, Nanjing Branch of China Merchants Bank Co., Ltd., and Credit Card Center of China Merchants Bank Co., Ltd.

 

王春生诉张开峰、江苏省南京工程高等职业学校、招商银行股份有限公司南京分行、招商银行股份有限公司信用卡中心侵权纠纷案

(A case about tort disputes) 【裁判摘要】
 
 一、根据《中华人民共和国民法通则》第九十九条的规定,姓名权是指公民自由决定、使用和依照规定改变自己的姓名,并禁止他人干涉、盗用、假冒自己姓名的一项民事权利。未经他人同意,盗用他人身份证、以他人的姓名申办信用卡的行为,即属于盗用、假冒他人姓名,侵犯他人姓名权的民事侵权行为。以上述方式办理信用卡后透支消费,导致他人姓名被银行列入不良信用记录,给他人造成名誉损失的,属于侵犯他人姓名权行为造成的损害后果,不属于侵犯他人名誉权的行为。
BASIC FACTS 二、当事人因他人盗用、冒用自己姓名申办信用卡并透支消费的侵犯姓名权行为,导致其在银行征信系统存有不良信用纪录,对当事人从事商业活动及其他社会、经济活动具有重大不良影响,给当事人实际造成精神痛苦,妨碍其内心安宁,降低其社会评价,当事人就此提出精神损害赔偿诉讼请求的,人民法院应予支持。
Plaintiff: Wang Chunsheng, male, 25, residing at Shenggang Village, Ma'an Town, Liuhe District, Nanjing City, Jiangsu Province. 
Defendant: Zhang Kaifeng, male, 29, residing at Suojin Village, Xuanwu District, Nanjing City, Jiangsu Province. 原告:王春生,男,25岁,住江苏省南京市六合区马鞍镇盛岗村。
Defendant: Nanjing Engineering Vocational College of Jiangsu Province, residing at: Qilin Community, Tangshan Street, Jiangning District, Nanjing City, Jiangsu Province. 被告:张开峰,男,29岁,住江苏省南京市玄武区锁金村。
Legal representative: Qin Zhigao, president of the college. 被告:江苏省南京工程高等职业学校,住所地:江苏省南京市江宁区汤山街道麒麟社区。
Defendant: Nanjing Branch of China Merchants Bank Co., Ltd., residing at: Hanzhong Road, Nanjing City, Jiangsu Province. 法定代表人:秦志高,该校校长。
Person in charge: Jin Yi, president of the branch. 被告:招商银行股份有限公司南京分行,住所地:江苏省南京市汉中路。
Defendant: Credit Card Center of China Merchants Bank Co., Ltd., residing at: Yuanshen Road, Pudong New Area, Shanghai. 负责人:金毅,该分行行长。
Person in charge: Zhong Jiwei, general manager of the center. 被告:招商银行股份有限公司信用卡中心,住所地:上海市浦东新区源深路。
Wang Chunsheng, the plaintiff, instituted an action in tort in the People's Court of Jiangning District, Nanjing City, Jiangsu Province against Zhang Kaifeng, Nanjing Engineering Vocational College of Jiangsu Province (hereinafter referred to as the “Engineering College”), Nanjing Branch of China Merchants Bank Co., Ltd. (hereinafter referred to as the “CMB Nanjing Branch”) and Credit Card Center of China Merchants Bank Co., Ltd. (hereinafter referred to as the “CMB Credit Card Center”), the defendants. 负责人:仲跻伟,该中心总经理。
Wang Chunsheng, the plaintiff, alleged that: he used to be a student of Engineering College, the defendant. During that period, Zhang Kaifeng, the defendant, who was a substitute teacher there, opened a credit card in the name of the plaintiff with the plaintiff's ID card by taking advantage of his position without the plaintiff's consent, and overdrew the credit card in bad faith, causing that the plaintiff's name was included in the bad credit record of the bank (commonly referred to as a “blacklist”) and the plaintiff suffered serious economic losses. Engineering College, which failed to manage its teachers properly, and CMB Nanjing Branch and CMB Credit Card Center, which failed to perform their obligation of reasonable examination when issuing the credit card involved in this case to Zhang Kaifeng, were all at fault for the consequences of the tort involved in this case. The defendants should assume liabilities respectively for their acts which invaded the lawful rights and interests of the plaintiff. The plaintiff requested the court to adjudicate that the four defendants should compensate the plaintiff in a total amount of 19,364 yuan, including a reputation loss of 8,000 yuan, mental distress damages of 5,000 yuan, unemployment insurance money of 5,400 yuan, and travel expenses of 964 yuan; and that the plaintiff's bad credit record in the bank should be removed. 原告王春生因与被告张开峰、江苏省南京工程高等职业学校(以下简称工程学校)、招商银行股份有限公司南京分行(以下简称招行南京分行)、招商银行股份有限公司信用卡中心(以下简称信用卡中心)发生侵权纠纷,向江苏省南京市江宁区人民法院提起诉讼。
...... 原告王春生诉称:原告原系被告工程学校的学生。原告在工程学校学习期间,被告张开峰担任工程学校的代课老师。其间,张开峰利用职务的便利,在未经原告同意的情况下,擅自使用原告的身份证,用原告的姓名办理了招商银行信用卡,并恶意透支,致使原告的姓名被列入银行不良信用记录(俗称黑名单),导致原告受到了严重的经济损失。被告工程学校对本校教师管理不严,被告招行南京分行、信用卡中心在为张开峰办理涉案信用卡时没有尽到合理的审查义务,均对本案侵权后果具有过错。上述被告的行为侵犯了原告的合法权益,应当承担相应的责任。请求判令四被告共同赔偿原告名誉损失8000元、精神损害抚慰金5000元、失业保险金5400元、交通费 964元,以上总计19 364元;并要求撤销原告在银行的不良信用记录。
 被告张开峰辨称:本人并非被告工程学校的代课老师,也非被告招行南京分行的兼职员工,本人所代办的、户名为王春生的信用卡也并非由本人恶意透支,原告王春生提出的诉讼请求既不符合事实,也没有法律依据。请求驳回原告的诉讼请求。
 被告工程学校辨称:原告王春生进入我校学习期间,在办理相关证件时,我校从未收取原告的身份证。被告张开峰并非我校的代课老师。对王春生的遭遇我校表示同情,但我校与本案无关,不应对王春生被侵权的损失承担民事责任。请求驳回原告对我校的诉讼请求。
 被告招行南京分行辨称:我行有着严格的用人制度,被告张开峰不是我行兼职工作人员。涉案信用卡系张开峰向被告信用卡中心直接申请办理,与我行无关。请求驳回原告王春生对我行的诉讼请求。
 被告信用卡中心辨称:我中心对原告王春生的遭遇表示同情,但本案系被告张开峰在未经王春生授权的情况下,盗用王春生的身份证办理信用卡并恶意透支,进而导致王春生被列入银行不良信用记录。根据行业规定,信用卡中心在申请人申请办理信用卡时,对于申请人的身份证只能作形式审查,对于申请人填写申请表内容的真实性也只能通过电话确认。本案中,我中心在涉案信用卡办理过程中已经尽到了合理审查义务,不存在过错,王春生所受损失应该由张开峰承担法律责任。另外,我中心在查明真实情况后,已经撤销了王春生的银行不良信用记录。请求驳回原告对我中心的诉讼请求。
 南京市江宁区人民法院一审查明:
 ......

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