本文選題：存單掛失 + 銀行　； 參考：《湖南大學(xué)》2011年碩士論文

【摘要】：銀行作為金融機構(gòu)的典型代表,在國家經(jīng)濟生活中起著特別重要的作用�，F(xiàn)階段我國正處于經(jīng)濟的轉(zhuǎn)軌時期,金融體制的改革在不斷推進,作為高風(fēng)險行業(yè)的金融業(yè),面臨著各種各樣的問題,而存單掛失糾紛是銀行近幾年來各類糾紛中最主要也最嚴(yán)峻的一項,研究存單掛失糾紛案件并對糾紛加以控制,是商業(yè)銀行風(fēng)險管理工作的重要內(nèi)容。 存單掛失糾紛案件,涉及的雙方主體是作為金融機構(gòu)的銀行和儲戶,二者的基礎(chǔ)關(guān)系是儲蓄關(guān)系,儲戶將錢存入銀行,銀行發(fā)放存折或存單,儲戶的存款作為貸市供給量的主要部分,在銀行的各項業(yè)務(wù)中起著基礎(chǔ)性和本源性的作用。如果沒有儲戶的存款,銀行缺少了資金來源,也就無從發(fā)放貸款收取利息,無法形成銀行利潤。而存單掛失糾紛的頻繁發(fā)生,大量的訴訟不僅耗費了銀行的財力物力,加大了經(jīng)營業(yè)務(wù)的成本,更重要的是極大的打擊了儲戶對銀行的信心,影響了銀行的社會公眾形象,危及銀行的信譽,不利于金融市場的穩(wěn)定。 在存單掛失糾紛案中,雙方的爭議焦點集中在存款的所有權(quán)歸屬問題,銀行對掛失人的身份審查問題,銀行與儲戶的舉證責(zé)任問題,以及在存款冒領(lǐng)風(fēng)險發(fā)生以后,銀行主張的對掛失人的給付效力是否滿足債務(wù)人對“債權(quán)人之準(zhǔn)占有人”的給付效力要件 在當(dāng)前的制度條件下,銀行在存單掛失制度上還存在著缺陷,這既有主觀上的原因,諸如法制觀念的淡薄、金融風(fēng)險意識不強、員工業(yè)務(wù)能力欠缺、員工操作程序有誤等；也有客觀上的原因,諸如司法實踐中附加給銀行的不合理的審查義務(wù)、法律制度的不完善、相關(guān)制度的不健全等。研究存單掛失糾紛,引導(dǎo)包括銀行在內(nèi)的金融機構(gòu)有效地防范風(fēng)險,不僅是推動金融生態(tài)和諧發(fā)展的有力保證,而且是促進我國經(jīng)濟社會持續(xù)發(fā)展的重要舉措。
[Abstract]:As a typical representative of financial institutions, banks play a particularly important role in national economic life. At this stage, our country is in the period of economic transition, and the reform of the financial system is constantly advancing. As a high-risk industry, the financial industry is facing a variety of problems. In recent years, the most important and severe of all kinds of disputes in banks is to report the loss of certificates of deposit. It is an important content of the risk management of commercial banks to study and control the dispute cases of the loss of certificates of deposit. In the case of a dispute over the loss of a certificate of deposit, the parties involved are the banks and depositors acting as financial institutions. The basic relationship between the two is the relationship of savings. The depositors deposit their money in the bank, and the bank issues passbooks or certificates of deposit. As the main part of loan supply, depositors' deposits play a fundamental and fundamental role in bank business. Without depositors' deposits, banks would not be able to make loans to collect interest and generate bank profits. With the frequent occurrence of disputes over the loss of certificates of deposit, a large number of lawsuits not only consume the financial and material resources of the banks, but also increase the cost of operating business. What is more important is that they have dealt a great blow to depositors' confidence in the banks and affected the public image of the banks. It endangers the credibility of banks and is not conducive to the stability of financial markets. In the certificate of deposit report dispute, the dispute between the two sides focuses on the ownership of the deposit, the bank's identity examination of the person who has reported the loss, the burden of proof between the bank and the depositor, and after the deposit takes the risk of taking the lead. Whether the effectiveness of the Bank's claim to the lost payer meets the requirements of the debtor's payment to the "prospective possessor of the creditor" under the current system conditions, the bank still has defects in the system of reporting loss of certificates of deposit. This is due to subjective reasons, such as the weak concept of the legal system, the weak sense of financial risk, the lack of staff's ability to do business, the error in their operating procedures, and so on; there are also objective reasons. Such as the unreasonable obligation of examination added to the bank in judicial practice, the imperfection of the legal system, the unsoundness of the related system and so on. It is not only a powerful guarantee to promote the harmonious development of financial ecology, but also an important measure to promote the sustainable development of our country's economy and society to study the dispute of certificate of deposit report and guide financial institutions, including banks, to prevent risks effectively.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2011
【分類號】：D923;D922.281;D920.5;F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 黎四奇;;對我國銀行與客戶法律關(guān)系重新定位若干問題之思考[J];財經(jīng)理論與實踐;2008年02期

2 董建軍;銀行辦理存單掛失若干法律問題探討[J];金融論壇;2002年06期

3 段維明,諶麗君,吳中明;論存款被冒領(lǐng)時銀行儲蓄機構(gòu)應(yīng)承擔(dān)的法律責(zé)任[J];金融論壇;2003年11期

4 趙嵬;存單糾紛案件之定性與審理[J];法律適用(國家法官學(xué)院學(xué)報);2001年08期

5 穆輝;審理存單糾紛案件適用司法解釋有關(guān)疑難問題研究[J];法律適用(國家法官學(xué)院學(xué)報);2002年10期

6 盧勁松;;存單掛失糾紛的法律問題探究[J];廣西政法管理干部學(xué)院學(xué)報;2009年02期

7 王雪琴;;論存單的性質(zhì)[J];貴州民族學(xué)院學(xué)報(哲學(xué)社會科學(xué)版);2007年02期

8 鄭翔;論現(xiàn)金存款合同轉(zhuǎn)移權(quán)利的性質(zhì)[J];河北法學(xué);2001年06期

9 劉遠(yuǎn),趙瑋;論金融犯罪的概念與地位[J];河北法學(xué);2005年07期

10 胡偉峰;;淺析存單(折)掛失糾紛的法律問題[J];湖北函授大學(xué)學(xué)報;2010年02期

，

本文編號：2111928