CAJ | 학술논문

我国立法和学界对于银行存款的法律属性存在认识上的偏差,将银行存款的所有权界定为存款人享有,会造成理论与实践中一系列难以化解的悖论。我国理论和立法实践应当明确＂银行是存款资金的唯一所有者,对存款资金享有所有权＂,这不仅是银行资金融通业务的最低要求,而且也是市场经济和金融业繁荣发展的前提与保证。
아국입법화학계대우은행존관적법률속성존재인식상적편차,장은행존관적소유권계정위존관인향유,회조성이론여실천중일계렬난이화해적패론。아국이론화입법실천응당명학＂은행시존관자금적유일소유자,대존관자금향유소유권＂,저불부시은행자금융통업무적최저요구,이차야시시장경제화금융업번영발전적전제여보증。
the legal nature of the bank deposit is the problem of property ownership.To clarify the legal property is beneficial to resolve the conflict and to protect the interests of banks and depositors.In our legislation and the field of property,there exists deviation on deposit ownership.If we define the ownership of deposit belongs to depositors,it would result in a paradox between theory and practice.Thus,the theory and legislation practice should clarify that ＂Banks is the only owner of deposit,and enjoys ownership of deposits＂.This is not only the minimum requirement,but insurance of financial prosperity and market economy.