储蓄存款被冒领相关法律问题研究  

On legal issues of false claim of savings deposit

作　　者：姬新江[1] 

机构地区：[1]广东警官学院法律系,广东广州510230

出　　处：《政法学刊》2012年第2期18-23,共6页Journal of Political Science and Law

摘　　要：储蓄合同是一种特殊合同,我国《合同法》没有对其做专门规定,应当作为无名合同来处理。储蓄合同一经成立,银行即对储蓄存款享有所有权,储户对银行享有的是债权。在储蓄存款被冒领时,应当依照什么原则来划分储蓄机构与储户间法律责任,储蓄机构对取款权利人身份审查是形式审查还实质审查,储蓄存款被冒领依据何种规则进行赔偿等进行理论上的探究,是基本的出发点和探究诉求。A deposit contract is a special contract,which is not stipulated by the country's contract law,and thus should be handled as innominate contracts.Once a deposit contract is set up,the bank immediately enjoys proprietary rights over the savings,while the depositor has creditor's rights.This study aims to embark on a theoretical research on what regulations should be observed as for compensation,when savings deposit is falsely claimed.

关 键 词：储蓄存款 责任认定 赔偿规则 免责事由 

分 类 号：D92[政治法律—法学]