企业经济
企業經濟
기업경제
Enterprise Economy
2014年
12期
177~180
,共null页
储蓄存款 物权说 债权说 产权配置说
儲蓄存款 物權說 債權說 產權配置說
저축존관 물권설 채권설 산권배치설
savings deposit; theory of the real rights; theory of creditor＇ s rights; theory of property right configuration
我国关于储蓄存款法律性质有两大主要学说——物权说和债权说,均未能完整清晰地处理好储蓄存款所涉及到的各种问题。这与其仅从民商法角度思考问题有关。储蓄存款关系不仅由民商法调整,还体现着国家为了社会公益对其的干预,这也需要经济法的调整。经济法领域中的产权关系更能说明储户与银行对储蓄存款的权利义务关系。储蓄存款的形成过程正是现金货币的产权在储户、银行之间的配置过程,储户将现金存入银行后,以丧失现金的占有权与使用权为代价,获得对银行的现金付款请求权、利息请求权和存款处分权;银行取得现金所有权,可以对现金行使占有、使用、收益和处分的权利。在权利配置后,对于储户存款中的资金金,储户以付款请求权为关节点与银行发生法律关系,付款请求权的性质应是请求权和形成权的集合。
我國關于儲蓄存款法律性質有兩大主要學說——物權說和債權說,均未能完整清晰地處理好儲蓄存款所涉及到的各種問題。這與其僅從民商法角度思攷問題有關。儲蓄存款關繫不僅由民商法調整,還體現著國傢為瞭社會公益對其的榦預,這也需要經濟法的調整。經濟法領域中的產權關繫更能說明儲戶與銀行對儲蓄存款的權利義務關繫。儲蓄存款的形成過程正是現金貨幣的產權在儲戶、銀行之間的配置過程,儲戶將現金存入銀行後,以喪失現金的佔有權與使用權為代價,穫得對銀行的現金付款請求權、利息請求權和存款處分權;銀行取得現金所有權,可以對現金行使佔有、使用、收益和處分的權利。在權利配置後,對于儲戶存款中的資金金,儲戶以付款請求權為關節點與銀行髮生法律關繫,付款請求權的性質應是請求權和形成權的集閤。
아국관우저축존관법률성질유량대주요학설——물권설화채권설,균미능완정청석지처리호저축존관소섭급도적각충문제。저여기부종민상법각도사고문제유관。저축존관관계불부유민상법조정,환체현착국가위료사회공익대기적간예,저야수요경제법적조정。경제법영역중적산권관계경능설명저호여은행대저축존관적권리의무관계。저축존관적형성과정정시현금화폐적산권재저호、은행지간적배치과정,저호장현금존입은행후,이상실현금적점유권여사용권위대개,획득대은행적현금부관청구권、이식청구권화존관처분권;은행취득현금소유권,가이대현금행사점유、사용、수익화처분적권리。재권리배치후,대우저호존관중적자금금,저호이부관청구권위관절점여은행발생법률관계,부관청구권적성질응시청구권화형성권적집합。
In the debate about the legal attribute of deposits in our country, there are two major theories, i.e., real rights and creditor＇ s rights, but both of them fail to solve all sorts of problems which savings are involved with clearly. This situation is caused partly because it is only put in the context of Civil and Commercial law. However, savings relation is not only ad- justed by Civil and Commercial law, it also embodies the country＇s social intervention to it, which meanwhile needs the adjustment of the economic law. Property right relations, as a subfield of economic law, further reflects the relationship be- tween savers and banks＇ rights and duties about the bank of deposits. The formation process of savings deposits is cash currency property in the configuration process between the depositors and banks. Savers store cash to the bank, at the ex- pense of the loss of the possession and use of cash, and obtain the right to claim for cash payment, interests for banks and savings of disposition; with the ownership of the cash, banks can exercise for cash to possess, utilize, and seek profits and dispose of the rights in a certain degree. After the right configuration for deposits, depositors with bank for payment as key points produce a legal relationship, and the nature of the right to claim payment should be a collection of claim and the right of formation.
