冒领存款纠纷背后的法理——王永胜诉中国银行南京河西支行储蓄存款合同纠纷案评析  

The Jurisprudence Behind Deposit Account Fraud Disputes: A Case Study on "Wang Yongsheng vs. Bank of China Limited Company Nanjing Hexi Branch"

作　　者：解亘[1] 

机构地区：[1]南京大学法学院,副教授南京210093

出　　处：《浙江社会科学》2013年第2期80-86,79+158-159,共10页Zhejiang Social Sciences

基　　金：南京大学"985"三期项目资助

摘　　要：围绕因存款被冒领而引发的储户与银行间的纠纷,最高人民法院以往采用侵权或者违约的理论构成。造成这种局面的原因是多重的。一方面是因为没有能准确把握向无受领权限之第三人的清偿在法律效果上孰为原则孰为例外;另一方面,则是缘于对银行账户之特殊性的过度解读。2009年公布的王永胜诉中国银行股份有限公司南京河西支行储蓄存款合同纠纷案摒弃了之前的立场,正确地选择了向无受领权限之第三人清偿的构成。这对于银行账户之法律属性的把握具有正面的指引作用。Up until recently, the Supreme People's Court applies tort or breach of contract theory to deal with the disputes between depositors and banks involving deposit account fraud. The reasons cause this situation are various. On the one hand, the court does not correctly distinguish which instances involving the liquidation to the third party who has no acceptance authority should be referred as principles or exceptions. On the other hand, this situation dues to an over-interpretation on the special nature of bank account. However, in the case 'Wang Yongsheng vs. Bank of China Limited Company Nanjing Hexi Branch' in 2009, the court accurately interpreted the case as a matter concerning a claim for the liquidation to the third party who has no acceptance authority. This interpretation has positive guiding fuctions for the understanding of the legal attribute of bank account.

关 键 词：冒领存款 账户 无受领权限之第三人 债权的准占有人 

分 类 号：D920.5[政治法律—法学] D923