(案例刊载于《最高人民法院公报》2009年第2期)案情2007年10月9日,原告王永胜在被告中国银行股份有限公司南京河西支行(以下简称中行河西支行)办理长城电子借记卡(以下简称借记卡)一张,该借记卡为无存折卡,借记卡业务登记表背面附有管理协议书及借记卡章程,载有“持卡人应妥善保管密码,因密码泄露而造成的风险及损失由持卡人本人承担”的内容。2007年12月2日晚,案外人汤海仁等五 (Case published in Supreme People’s Court bulletin No. 2, 2009) On October 9, 2007, the plaintiff Wang Yongsheng applied for the Great Wall Electronic Debit Card (the “Bank of China, Hexi Branch”) at the defendant Bank of China Nanjing Hexi Branch (hereinafter referred to as Bank of China Hexi Branch) Hereinafter referred to as debit card), the debit card is no deposit card, debit card business registration form attached to the back of a management agreement and the debit card regulations, contains “cardholder should keep the password, password Leakage caused by the risks and losses borne by the cardholder ”content. On the evening of December 2, 2007, the outsider Tang Hairen et al