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Legal Studies
Reference:

Bank deposit agreement in the Russian Federation: combination of private and public interests therein

Dobrynina Larisa Yur'evna

PhD in Law

Docent, the department of Civil Law, Ural State Law University

620137, Russia, Sverdlovskaya oblast', g. Ekaterinburg, ul. Komsomol'skaya, 21

dovre@yandex.ru

 

 

DOI:

10.25136/2409-7136.2020.1.30291

Review date:

15-07-2019


Publish date:

05-02-2020


Abstract: The object of this scientific-theoretical research consists in public relations emerging during investment of finances into bank deposit from the perspective of profitability factors, security and liquidity. The author analyzes the novelties introduced into the Civil Code of the Russian Federation, including those pertinent to new types of bank deposits. The work discussed all-round state control over the movement of finances in bank deposits, justifying the examination of a number of responsibilities of public commercial banks. The article analyzes legislative regulating relations by bank deposit agreement, which includes not only norms of private law, but public law as well. Research is carried out on the legal problems associated with the changes and termination of bank deposit agreement. The legislative array regulating these relations, is being examined as a complex legal institution, combining norms of civil, financial, and administrative law. The legislator protects not only the rights of investors, but also performs a supervisory and stimulating policy in the financial market, ensuring stability of the entire economic space of the Russian Federation. The article makes a number of recommendations on improving civil legislation aimed at protection of the rights of bank investors.


Keywords: deposit insurance, investment security, liquidity, interest rates, contract form, Civil Code, metal deposits, bank deposit, financial ombudsman, customer identification
This article written in Russian. You can find full text of article in Russian here .

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