在克隆银行卡民事纠纷案件中,银行卡密码泄露问题一直争议较大。随着科技尤其是互联网技术的发展,网络银行、手机银行、第三方支付平台兴起,导致银行卡被克隆盗刷案件逐年增多。由于法律依据不足,观点争议较大,法院在处理克隆银行卡案件时,一般从银行是否有效识别伪卡交易和密码泄露原因等角度考虑,依据过错原则,在综合分析当事人的过错责任大小后,判令责任方承担相应的民事责任。目前,我国司法实践对于克隆银行卡案件中密码泄露问题 In the case of bankruptcy of bank card civil disputes, the issue of bank card password leakage has been controversial. With the development of technology, especially the Internet technology, the rise of online banking, mobile banking and third-party payment platforms has led to an increase in the number of cases of bank card cloning and swiping. Due to the lack of legal basis and the controversial viewpoints, when dealing with Clonal Bank Card cases, the court generally considers whether the bank effectively identifies the reasons for the leakage of the counterfeit card and password, and based on the principle of fault, after comprehensively analyzing the parties’ fault liability, Decree the responsible party to assume the corresponding civil liability. At present, China’s judicial practice for the bank card in the case of password leaked issue