储蓄合同性质的法律分析  

Analysis of Legislative Property of Deposit Contracts

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：《广州广播电视大学学报》2012年第3期64-68,110,共5页Journal of Guangzhou Open University

摘　　要：储蓄合同的性质和存款所有权的归属在法律上的不同规定,直接导致人们在认识上与司法实践中的混乱,故对其从理论上予以探讨显然非常必要。本文通过储蓄合同与传统民事合同的比较,存款所有权归属问题的立法矛盾分析,明确提出储蓄合同在性质上属于消费寄托合同,存款所有权属于银行、存款人对存款享有债权请求权的观点,并期望统一国内相应立法。It is of theoretical significance to differentiate property of the deposit contract from its ownership in legislation,but they are not clearly defined,causing confusions in comprehension and practice.This paper compares the deposit contract with the conventional civil contract,and analyzes different views on ownership of the deposit contract,then it concludes that the deposit contract can be classified as one of the consumption contracts,while the ownership of the deposit is attributed to the debt claim made by the bank and the depositor.The paper finally suggests that clearer interpretation in this respective should be provided in legislation.

关 键 词：储蓄合同 存款所有权 法律分析 

分 类 号：D923.6[政治法律—民商法学]