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No. 4 of Ten Noteworthy Financial Cases in Shanghai Courts of 2018: Banks shall Reach Agreement with Customers on Payment Limits of Electronic Ciphers and Disclose to Customers Relevant Risks - a case of Shi A v. Bank A on dispute over savings contract
2018年度上海法院金融商事审判十大案例之四:施某诉甲银行储蓄存款合同纠纷案——银行应与客户约定电子密码器支付限额并进行风险揭示
【法宝引证码】

No. 4 of Ten Noteworthy Financial Cases in Shanghai Courts of 2018: Banks shall Reach Agreement with Customers on Payment Limits of Electronic Ciphers and Disclose to Customers Relevant Risks - a case of Shi A v. Bank A on dispute over savings contract
2018年度上海法院金融商事审判十大案例之四:施某诉甲银行储蓄存款合同纠纷案——银行应与客户约定电子密码器支付限额并进行风险揭示
No. 4 of Ten Noteworthy Financial Cases in Shanghai Courts of 2018: Banks shall Reach Agreement with Customers on Payment Limits of Electronic Ciphers and Disclose to Customers Relevant Risks - a case of Shi A v. Bank A on dispute over savings contract 2018年度上海法院金融商事审判十大案例之四:施某诉甲银行储蓄存款合同纠纷案——银行应与客户约定电子密码器支付限额并进行风险揭示
[Gist] 【裁判要旨】
Due to absence of monitoring over the counter operation, the electronic banking business comes with a high risk of abnormal fund transfer. Customers have the obligation to safekeep their own accounts and passwords, and shall bear consequent losses alone if they divulge their passwords due to their own faults, provided that the banks have technically fulfilled their obligations to review the operations and warn the customers of relevant risks. On the other hand, when activating the electronic banking service, financial institutions should clearly disclose to the customers the risks of mobile banking and online banking as well as differences between the two, notify and make available the payment limit option to customers, and especially shall remind them of the risk of large fund transfer through electronic cipher. A financial institution which fails to negotiate with or adequately discloses to its customers important matters that affect the safety of its customers' funds, should be held liable accordingly. 电子银行业务因缺乏柜台操作监控环节,存在资金非正常划转的高风险。客户具有账号信息和密码保管义务,在银行已经尽到各技术环节审核提示义务后,因自行泄露密码导致损失的,由客户自担。同时,金融机构在为客户开通电子银行业务时,应明示手机银行、网上银行的风险与区别,告知并赋予客户对外支付限额选择权,特别提示电子密码器高额转账风险。金融机构就影响客户资金安全的重要内容未协商或披露不充分的,需承担相应责任。
...... 基本案情
 2010年2月6日,施某到甲银行处申请开设理财金账户,领取尾号为0923理财金账户卡。之后,施某连续接到自称警方人员的电话,要求施某协助警方办案,将名下全部资金归集到工商银行账户,并要求施某办理电子密码器以便冻结资金。2016年12月28日,施某到甲银行营业场所的智能终端机处,向甲银行工作人员表示要开通网上银行,在甲银行工作人员指导下,施某以理财金账户卡在智能终端机上开通了网上银行和手机银行,领取了电子密码器和电子银行注册回单。当日,施某工商银行账户的418,791.98元分多次转出至案外人账户。此后,施某将其他存款通过柜面转账和ATM机操作,先后归集到涉案账户。款项入账后,经手机银行操作陆续转出至案外人账户。从12月28日起至12月30日止,上述转款行为持续三天,转出金额每次不超过5万元,共计27次,总金额1,253,188元。同年12月31日,施某到上海市公安局虹口分局广中路派出所报案。2017年1月5日,虹口分局向施某出具立案告知书,以涉嫌诈骗罪立案。此后,施某起诉要求甲银行承担赔偿责任。
 ......

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