错误转账的救济路径——以存款“占有即所有”之反思为视角  

Remedial path for incorrect transfer——From the perspective of reflections on “Possession is ownership” of deposits

作　　者：陈雅旎 CHEN Yani(School of Economic Law,East China University of Political Science and Law,Shanghai 200042,China)

机构地区：[1]华东政法大学经济法学院,上海200042

出　　处：《镇江高专学报》2024年第1期46-50,共5页Journal of Zhenjiang College

摘　　要：存款体现存款人与银行之间的债权债务关系,不存在所有权,也不存在是否满足“占有即所有”和“特定化”问题。转账行为性质为债务承认,为维护银行信用,原则上应当承认债务具有无因性。在错误转账情形中,由于不会恶化受领人之其他债权人地位,错误转账人虽有过失但也不应当承担全部风险,可例外承认银行与受领人之间的债务有因,即因错误转账人与受领人之间不存在基础关系而无效,以此保护错误转账人的利益。Deposits reflect the debtor-creditor relationship between depositors and banks.There is neither ownership nor a question of whether “Possession is ownership” or “specialization” is met.The nature of transfer behavior is debt recognition,and in order to maintain bank credit,it should be recognized that debt possesses noncausation in principle.In the case of incorrect transfer,as it does not worsen the creditor's status of the recipient,the transferor should not bear all the risks despite faults.Exceptionally,it can be recognized that the debt between the bank and the recipient has a causation.Namely,it is ineffective because there is no basic relationship between the incorrect transferor and the recipient,in order to protect the interests of the incorrect transferor.

关 键 词：错误转账 存款创造 债务承认 有因性 

分 类 号：D923.3[政治法律—民商法学]