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1、论存款所有权的归属（Onownershipofdepositownership）OnownershipofdepositownershipAuthor:CaoXinyouCLCnumber:DF438documentidentificationcode:aProvisionsoftheexistinglawsandregulationsconcerningownershipofdepositsDepositthepartiesonlydepositorsandbanksofthetwoparties,thustheownershipofdepos
2、itnottodepositors,eitherthisorthat,isownedbythebank.China'scurrentlawsandregulationsagreethattheownershipofsavingsdepositsbelongstodepositors.Theseprovisionscanbesaidtobeoflongoriginanddistinctlevels,andtheyaremainlybasedontheorderoftimeandtherankofeffectiveness:Theeleventhar
3、ticleoftheconstitutionofthe1.54yearstipulatesthat"thestateprotectsthelegitimateincome,savings,housingandallkindsofmeansofsubsistenceofcitizens".Inthe82year,thethirteentharticleoftheconstitutionhasinheritedthisprovision;InthesixthPlenarySessionofthe8thCPCCentralCommittee2.58,t
4、heresolutiononSeveralIssuesconcerningthepeople'scommuneinthecountrysidestipulatedthat"thedepositsinbanksandcreditunionsarealwaysownedbythemembers."";Articleeighty-secondofthe3.79yearcriminallawstipulatesthat"thelawfulpropertyofcitizens'privateownershipreferstothefollowingprop
5、erties:Citizens'legitimateincome,savings,housesandothermeansofsubsistence.";......"4."civillaw"seventy-fifthstipulates:"thepropertyofcitizens,includingcitizens'lawfulincome,housing,savings,dailynecessities,culturalrelics,booksandreferencematerials,treesandthelawallowsallcitiz
6、ensoflifeandotherlawfulproperty";5.93yearsofthepeople'sBankofChina"ontheimplementationof"savingsmanagementregulations"Regulations"provisionsofarticlefirst:"referstothepersonalsavingsallinasavingsinstitutionwithintheterritoryoftheChinaRMBorforeigncurrencydeposits,thirdstressed
7、:"theconstitutionprotectstheindividuallegaldepositwhichhasarighttoinviolability".Two.TherepresentativeviewoftheownershipofthedepositinthetheoreticalcircleTherearemainlytwoviewsontheownershipofthedepositinChina'slegaltheory,oneisthatthedepositisownedbythedepositor,theotherthin
8、ksthatthedepositisownedbythebank.(1)therepresentativeviewthatthedepo
