本文關(guān)鍵詞： 儲(chǔ)蓄合同 違約 歸責(zé)原則 免責(zé)事由　出處：《蘇州大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：儲(chǔ)蓄合同是日常生活中一種常見的合同,它產(chǎn)生于銀行與儲(chǔ)戶之間,幾乎每個(gè)人或多或少都會(huì)與銀行間建立儲(chǔ)蓄存款的關(guān)系。而現(xiàn)實(shí)生活中頻發(fā)的儲(chǔ)蓄存款冒領(lǐng)案件,不僅給儲(chǔ)戶的財(cái)產(chǎn)造成了損失,同時(shí)也對(duì)銀行的商業(yè)信譽(yù)造成了不少負(fù)面影響,此類案件往往還牽涉到刑事犯罪,但是由于偵查技術(shù)的有限,許多案件不能及時(shí)破獲,即使案件偵破,冒領(lǐng)人也往往不具備賠償能力,于是儲(chǔ)戶便會(huì)起訴銀行,要求銀行承擔(dān)相應(yīng)的民事責(zé)任,從而尋求損害救濟(jì)。但是,不論在理論界還是實(shí)務(wù)界,人們對(duì)冒領(lǐng)存款案件中銀行民事責(zé)任承擔(dān)的態(tài)度尚不能統(tǒng)一。本文首先對(duì)儲(chǔ)蓄合同的性質(zhì)、存款歸屬以及銀行在儲(chǔ)蓄合同中所負(fù)義務(wù)進(jìn)行闡述,提出銀行在儲(chǔ)蓄合同中相應(yīng)的給付義務(wù)與附隨義務(wù)。筆者還對(duì)銀行在儲(chǔ)蓄存款冒領(lǐng)案件中的責(zé)任性質(zhì)進(jìn)行分析,并在此基礎(chǔ)上研究銀行民事責(zé)任的認(rèn)定問題,并且針對(duì)銀行違反給付義務(wù)或附隨義務(wù)的不同所應(yīng)適用嚴(yán)格責(zé)任和過錯(cuò)推定的歸責(zé)原則,責(zé)任構(gòu)成要件以及相應(yīng)的免責(zé)事由。最后還探討了銀行在此的責(zé)任承擔(dān)方式。本文是對(duì)解決銀行在儲(chǔ)蓄存款冒領(lǐng)案件中的民事責(zé)任問題所提供的一種新的思路,并且希望能夠?qū)?shí)踐中相關(guān)問題的解決有所裨益。
[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.
【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D923

【參考文獻(xiàn)】

中國期刊全文數(shù)據(jù)庫 前3條

1 連金英;;對(duì)銀行網(wǎng)絡(luò)安全民事責(zé)任的探討[J];比較法研究;2006年02期

2 彭誠信,朱琨;合同履行中違反附隨義務(wù)的法律效果[J];政法論叢;2005年05期

3 王建平;“先刑后民”不是絕對(duì)的[J];政治與法律;2003年05期

，

本文編號(hào)：1497991