论存款的所有权归属——以物权客体立法模式为视角

我国法律制度对银行存款的所有权归属的问题存在两种矛盾的规定,物权法应明确其属于收款银行所有还是存款人所有。而存款人交付了货币之后能否继续保留对货币的所有权决定于我国当前物权法的制定模式,参考各国法律制度和社会经济生活的基本现状,法律应规定银行存款属于收款银行所有。

Study on Ownership of Bank Deposit

There are 2 contradictory legislations in the ownership of bank deposit in Chinese law.Real rights law should define clearly whether the bank or the depositor is the owner.Aftor depositing,the depositor's succeeding ownership is decided by the country's present real rights model,Referring to other countries' law system and social and economic life,the law should regulate that the deposited money belongs to the bank and we should choose German model,which is move appropriate for Chinese economy.