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1、IATM 机下存款合同银行附随义务研究中文摘要附随义务是基于诚实信用原则所产生的为保障债权人给付利益的实现所承 担的义务。确立附随义务有利平衡各方利益、强化对债权人的保护、维护社会秩 序及合同法立法与理论。 在 ATM 机存款合同下银行的附随义务是指银行和储户之 间基于储蓄合同以银行借记卡为载体而签订的， 当储户在 ATM 机发生业务时所应 遵循的给付负担义务。在现代经济金融交易关系中，随着电子科技的发展，ATM 机在现代高科技信息时代发挥了越来越重要的作用，它以其提供服务的便利、快 捷越来越受到人们的青睐。但与此同时，ATM 机这一无人化的交易场所在提供安 全便捷服务的同时，也带来了巨大的风
2、险。尤其是近年来频频发生的 ATM 机纠纷 案件，使得 ATM 机的安全问题又成了大家议论的焦点。因此设立附随义务制度显 得十分重要。在 ATM 机下，银行的附随义务主要包括告知、保密、协助、保护这 四个主要义务。文章以案例实证研究为主，选取四个生活中典型案例，联系司法实务中的疑 难点和理论研究中的争议点，通过对个案分析，来剖析案例中反映的问题与不足 并以此来寻求解决对策。全文的总体思路是以四个典型案例作为切入点，分别引 入告知义务、保密义务、协助义务、保护义务的案例，通过解读案例得出 ATM 机 下存款合同银行附随义务存在一系列问题， 如格式条款合同中存在的排除银行自 身责任加重储户责任问题
3、、 “先刑后民”原则如何适用问题、ATM 机经营环境问 题、 银行的不及时协助义务产生的风险问题以及如何认定第三人介入侵权情况下 安全保障义务人的责任等。鉴于此，笔者认为为了平衡当事人之间的利益，维护 作为储户一方弱势群体的权益， 同时基于诚实信用原则要求银行作为占有天然专 业优势一方应该首先尽更大的义务之责使合同顺利履行， 而不能以给予储户更多 的负担义务。为此，笔者提出了重视 ATM 机环境安全、社会公共利益优先保护等 一系列对策建议。在法律上，一方的义务就是相对方的权利。基于合同双方权利 义务平等原则， 储户也要遵守 ATM 机存款合同的告知义务、 保密义务、 协助义务， 否则合同将无法
4、得到履行或不能达到履行的效果。关键词：附随义务 ATM 机 安全IIResearch on ATM deposit bank collateral obligation of contractAbstractCollateral obligation is an obligation to protect the interests of creditors realize benefits arising from the principle of good faith based on assumed.The establishment of collateral obligation f
5、avorable balance the relationship of various interests, strengthening the protection for the creditor, the maintenance of social order and contract legislation and theory. Banks in the ATM deposit contract collateral obligation is refers to between the bank and the depositor savings bank debit card
6、and sign the contract with the carrier based, when the customer that should be followed in the ATM machine in service payment obligations. Now, ATM machines have become an indispensable part of peoples daily life. In the modern trade relationship, bank card, ATM provides services for its convenience
7、, shortcut is favored by more and more people. But at the same time, ATM this unmanned trading places in providing safe and convenient services at the same time, it brings huge risk. Especially in recent years, the frequent occurrence of ATM dispute case, the security problem of ATM machine and beca
8、me the focus of everyone comment. Thus the establishment of collateral obligation system is very important. In ATM, the banks collateral obligation mainly includes informed, confidentiality, assist, the protection of the four main obligation.Based on empirical case study is given priority to, select
9、ion of four typical cases, contact the difficult point in the judicial practice and theoretical research of the controversial points, through the case analysis, to analyze the cases reflect problems and deficiencies and tries to seek the solution. The full text of the general idea is based on four t
10、ypical cases as the breakthrough point, separately introducing the inform obligation, the obligation of confidentiality obligations, the obligation of protect case, through interpretation case ATM bank deposit contract accompanying obligations under a series of problems, such as bank of format claus
11、es in the contract exist out their depositors liability issues of responsibility, the principle of “first the punishment queen people“ how to apply, ATM management environment problems, bank not timely assistance obligation risk problem and how to decided that a thirdIIIperson involved in infringeme
12、nt cases, the responsibility of the security obligation, etc. In view of this, the author thinks that in order to balance the interests between the parties, maintain the party the rights and interests of vulnerable groups as a customer, at the same time, based on the principle of good faith require
13、Banks as possess natural professional advantage of one party should first do more duty began to make the contract performed smoothly, and not to give customers more become the burden of obligation. To this end, the author puts forward the importance to ATM environment security, social public interes
14、t priority protection and a series of countermeasures and Suggestions. A partys obligation is the phase of each others rights. Based on the principle of equality of the parties to the contract rights and obligations, depositors ATM deposit contract should be obeyed the inform obligation, the obligation of confidentiality, the obligation of assist, otherwise the contract will not be able to get to perform or cant achieve the result of performance.Key words: Collateral obligationATMsecurity目录中文摘要.IAbstract. II引 言.1 第一章 ATM 机下存款合同银行附随义务之告知义务 .3 一、案例援引与争议焦点.3（一）基本案情.
