储蓄存款冒领案件中银行民事责任研究

发布时间：2018-02-09 13:04

  本文关键词： 储蓄合同 违约 归责原则 免责事由　出处：《苏州大学》2015年硕士论文　论文类型：学位论文

【摘要】：储蓄合同是日常生活中一种常见的合同,它产生于银行与储户之间,几乎每个人或多或少都会与银行间建立储蓄存款的关系。而现实生活中频发的储蓄存款冒领案件,不仅给储户的财产造成了损失,同时也对银行的商业信誉造成了不少负面影响,此类案件往往还牵涉到刑事犯罪,但是由于侦查技术的有限,许多案件不能及时破获,即使案件侦破,冒领人也往往不具备赔偿能力,于是储户便会起诉银行,要求银行承担相应的民事责任,从而寻求损害救济。但是,不论在理论界还是实务界,人们对冒领存款案件中银行民事责任承担的态度尚不能统一。本文首先对储蓄合同的性质、存款归属以及银行在储蓄合同中所负义务进行阐述,提出银行在储蓄合同中相应的给付义务与附随义务。笔者还对银行在储蓄存款冒领案件中的责任性质进行分析,并在此基础上研究银行民事责任的认定问题,并且针对银行违反给付义务或附随义务的不同所应适用严格责任和过错推定的归责原则,责任构成要件以及相应的免责事由。最后还探讨了银行在此的责任承担方式。本文是对解决银行在储蓄存款冒领案件中的民事责任问题所提供的一种新的思路,并且希望能够对实践中相关问题的解决有所裨益。
[Abstract]:Savings contract is a kind of common contract in daily life. It comes from the relationship between bank and depositor. Almost everyone will establish savings deposit relationship with bank more or less. Not only has it caused losses to depositors' property, but it has also had a lot of negative effects on the commercial reputation of banks. Such cases often involve criminal offences, but due to limited investigative techniques, many cases cannot be solved in a timely manner. Even if the case is solved, the payer is often unable to compensate, so the depositor will sue the bank and ask the bank to bear the corresponding civil liability, thus seeking damages relief. However, whether in the theoretical or practical circles, People's attitudes towards the civil liability of banks in cases of taking out deposits are not uniform. This paper first expounds the nature of savings contracts, the attribution of deposits and the obligations of banks in savings contracts. The author also analyzes the nature of the bank's liability in the case of taking out savings deposits, and on this basis studies the problem of the confirmation of the bank's civil liability. And the strict liability and presumption of fault imputation principle should be applied to the difference of the bank's breach of payment obligation or collateral obligation. Finally, it discusses the way of the bank's liability. This article is a new way to solve the problem of civil liability of the bank in the case of taking out savings deposits. And I hope it can be helpful to solve the related problems in practice.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923

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本文编号：1497991