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银行卡在自助柜员机操作时发生吞卡被骗走,银行是否应担责?

      Bank card got stuck during operation in the ATM of a bank and then was stole by other person. Shall the bank take liability of compensation?
 
      赵女士持银行卡到银行自助柜员机前准备取钱。赵女士将卡插入柜员机并输入密码后,银行卡突然被吞。赵女士听从周围人员的建议离开柜员机,进入银行大厅与银行工作人员进行交涉。银行工作人员检查自助柜员机,但并未发现赵女士的银行卡。通过调取柜员机前的监控录像发现,赵女士在输入密码时后面排队的男子曾偷看密码,在赵女士离开自助柜员机后后面排队的几名男子在柜员机前进行一番操作并取走了赵女士的银行卡。
      Miss Zhao went to the ATM with her bank card. After she pushed the card in ATM and input the code, the card seemed to be stuck by the machine. And people around suggested her to go to the bank for help. Miss Zhao’s bank card was not found in the machine. And the watchdog show that people around peeped at Miss Zhao’s code and after Miss Zhao left the machine they operated the machine and got the bank card. Miss Zhao sued the bank for compensation.
 
律师分析:
Attorney’s Comment:
 
      本案中虽然赵女士的银行卡是在银行自助柜员机上操作时丢失的,但盗取赵女士银行卡及密码的是当时在赵女士周围的犯罪分子,应由这些犯罪分子承担侵权责任。赵女士要求银行担责,在《侵权责任法》实施前并没有明确的法律依据。《侵权责任法》中规定了如果是第三人的侵权行为造成让人合法权益受损,没有尽到安全保障义务的公共场所管理者应当承当补充责任。也就是说,银行对于银行营业厅、包括柜员机前的操作空间都负有安全保障义务。如果银行未能尽到安全保障义务致使储户的人身或财产权利受到侵犯的,银行应当承担补充的赔偿责任。
       Although Miss Zhao’s bank card is stuck and lost during operation on the ATM, it is the person who peeped at her code and stole the card that shall take the liability of tort. Before the Tort Law is implemented, Miss Zhao has no legal basis of requiring compensation from the bank. And according to the Tort Law, if harm in a public venue such as a bank is caused by a third party who shall take the liability of tort, manager of the public venue who failed to fulfill the duty of safety protection shall assume corresponding complementary liability. Therefore, if the bank fails to fulfill its duty of safety protection in its office(including the ATM), it shall take complementary liability.

[2011/5/14]