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Legal Studies
Reference:

Bank Account Pledge of Rights and Pledge Account: Current Status and Development Prospects

Makushkin Vladimir Olegovich

Postgraduate at Kutafin Moscow State Law University 

141068, Russia, Moskovskaya Oblast' oblast', g. Korolev, ul. Rossiya, Moskvoskaya Obl, Rossiya, Moskvoskaya obl, of. Rossiya

vladimir-makushkin@mail.ru

 

 

DOI:

10.25136/2409-7136.2018.4.26026

Review date:

15-04-2018


Publish date:

23-04-2018


Abstract: The article is devoted to the ways of improving the institution of bank account pledge of rights and legal regime of pledge account. In particular, the author analyzes opportunities of overcoming the collisions of civil and financial laws arising as a result of pledge accounts, procedures of openning and closing pledge accounts, and reduction of depositing burden on possible loan losses that may be incurred by banks when enabling credit organisation clients to pledge their rights based on a bank account contract. The methodological basis of the research includes general research method (analysis, synthesis, analogy) and special research methods (formal law method and systems approach). The novelty of the research is caused by the fact that that there are certain problems of the legal regulation and lack of the integral approach to solving them. The following conclusions have been made by the author on the basis of the research results: 1. At the present time there is no clear system of recording bank account pledge of rights which disturbs the right of non-pledge pledgor creditors to judicial defence. 2. Prior to the moment when the bank account pledge of rights occur, the bank must have all necessary information about the pledgee and grounds of his or her participation in the pledge relations. 3. To provide banks with an opportunity to execute rights set forth by the AML/CFT laws, there should be a balance between private pledge account laws and public laws being achieved. 4. In order to reduce the depositing burden on banks, the author suggests to view the bank account pledge of rights as the first type of collateral.


Keywords: pledge account, anti-money laundering, unsecured creditors, banks, loan-loss provisions, pledge of rights, special bank account, bank account, guarantee deposit, bankruptcy
This article written in Russian. You can find full text of article in Russian here .

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