【摘要】：儲(chǔ)戶的存款被不法分子采用各種手段冒領(lǐng),當(dāng)冒領(lǐng)人被及時(shí)抓獲且被冒領(lǐng)之錢款可以追回時(shí),問(wèn)題容易解決,但是這類案件往往由于不法分子作案手段高超很難偵破,即使破獲逮捕了冒領(lǐng)人也難以保證其償付能力。儲(chǔ)戶要求儲(chǔ)蓄機(jī)構(gòu)支付存款而銀行拒付由此產(chǎn)生糾紛,當(dāng)雙方難以協(xié)商解決時(shí),存款人便將儲(chǔ)蓄機(jī)構(gòu)起訴至法院,此類案件常經(jīng)歷一審和二審改判,而最終的判決結(jié)果也是“同案不同判”即相似案情的不同案件在不同地區(qū)不同法院的判決差異很大,有的判儲(chǔ)蓄機(jī)構(gòu)負(fù)全責(zé),有的判雙方分擔(dān)責(zé)任。人們都或多或少的有存款,對(duì)自己存款安全的關(guān)心往往引起人們廣泛的關(guān)注,錢存入儲(chǔ)蓄機(jī)構(gòu)不會(huì)萬(wàn)無(wú)一失,尤其是不法分子利用微型探頭偷窺密碼再偽造銀行卡冒領(lǐng)他人存款的高科技犯罪后,更增加了人們對(duì)自己儲(chǔ)蓄安全的擔(dān)憂。不斷出現(xiàn)的相似案件卻有差異較大的判決,損害了法律適用的統(tǒng)一性。 本文首先通過(guò)一個(gè)典型的案例引申出該類案件的爭(zhēng)議法律問(wèn)題,然后對(duì)其進(jìn)行具體的分析,定義冒領(lǐng)存款的概念及其主要表現(xiàn)方式,分析儲(chǔ)蓄行為的方式及性質(zhì),分析該類案件的法理及民法學(xué)理論,存款冒領(lǐng)案各方的法律關(guān)系,最后對(duì)儲(chǔ)蓄機(jī)構(gòu)和儲(chǔ)戶的責(zé)任進(jìn)行分析。 本文的研究意義在于不斷發(fā)生的存款被冒領(lǐng)而引發(fā)的糾紛應(yīng)該如何及時(shí)加以解決,儲(chǔ)蓄機(jī)構(gòu)與受害儲(chǔ)戶的責(zé)任關(guān)系如何加以妥善處理,雙方利益怎樣協(xié)調(diào)等問(wèn)題,若此類問(wèn)題處理不當(dāng)對(duì)金融發(fā)展、社會(huì)和諧都產(chǎn)生不利的影響,對(duì)此加以梳理提出對(duì)策,因此具有重要的理論與實(shí)踐意義。
[Abstract]:Depositors' deposits are faked by various means by lawbreakers. When the fraudsters are caught in time and their money recovered, the problem is easy to solve. However, such cases are often difficult to solve because of their superior means of committing crimes. It is difficult to guarantee the solvency of a person who has been arrested even if he is arrested. Depositors ask savings institutions to pay their deposits and the banks refuse to pay the deposits, which give rise to disputes. When it is difficult for the two sides to settle the matter through negotiation, depositors sue the savings institutions to the courts. Such cases are often subject to first and second instance cases being rescheduled. The final result of the judgment is that different cases with similar cases have very different judgments in different courts in different regions, some of them bear full responsibility, and some of them share the responsibility. People have more or less a deposit, the concern for their own deposit security often aroused widespread concern, money deposited in savings institutions will not be foolproof, In particular, criminals who use miniature probes to peek at passwords and forge bank cards to take deposits from others have become more concerned about their own savings security. Similar cases have different judgments, which impair the unity of the application of law. In this paper, a typical case is used to explain the legal issues of this kind of cases, and then it is analyzed concretely to define the concept and main manifestation of taking out deposits, and to analyze the ways and nature of saving behavior. This paper analyzes the legal theory and civil law theory of this kind of cases, the legal relationship of the parties in the case of deposit taking, and finally analyzes the responsibility of the savings institutions and depositors. The research significance of this paper lies in how to solve the disputes caused by the constant occurrence of deposits being taken out in time, how to properly deal with the responsibility relationship between savings institutions and affected depositors, how to coordinate the interests of both sides, and so on. If such problems are not handled properly on the financial development, social harmony has a negative impact, to sort out and put forward countermeasures, so it has important theoretical and practical significance.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：D920.5

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