Perm University Herald. Juridical Sciences. 2020. Issue 2 (48)


N. V. Syropiatova, Perm State University

This email address is being protected from spambots. You need JavaScript enabled to view it.
ORCID: 0000-0002-5235-8931 ResearcherID: J-1611-2016
Articles of «Scopus» & «Web of Science»:       DOI: 10.17072/1995-4190-2016-33-319-328
Requisites: Syropyatova N. V. Pravovye rezhimy bankovskikh schetov v Rossii [Legal Regimes of Bank Accounts in Russia]. Vestnik Permskogo universiteta. Juridicheskie nauki – Perm University Herald. Juridical Sciences. 2020. Issue 48. Pp. 348–363. (In Russ.). DOI: 10.17072/1995-4190-2020-48-348-363
DOI: 10.17072/1995-4190-2020-48-348-363

Introduction: the article analyzes the concept of ‘legal regime of a bank account’, its content and meaning, and distinguishes this concept from the ‘type of a bank account’. Purpose: to specify the concept of ‘legal regime of a bank account’ based on the analysis of scientific sources, normative legal acts, practice materials, and to differentiate this term from the related categories. Methods: general scientific methods (analysis, synthesis, deduction, induction, typology, comparison, generalization) as well as special legal methods: formal-dogmatic, legal interpretation, functional methods, and others. Results: the concept of ‘legal regime of a bank account’ is specified, its difference from the concept of ‘type of a bank account’ is given, and its theoretical and practical relevance is analyzed. Conclusions: each type of bank account has a legal regime or regimes that are characterized by a set of operations legally provided for accounts of this type, by particular banking rules established in accordance with the law, and by customs applied in banking practice. The regimes also differ from each other in the agreement, restrictions or expanded possibilities for performing operations. In some cases, they are distinguished by a special procedure for their implementation. Within the same type of bank account, there may be different legal regimes (general and special) that are directly related to the functions of bank account agreements.

Keywords: legal regime; bank account; legal regime of a bank account; types of bank accounts; bank account agreement; unauthorized debiting; functions of bank account agreements
  download the full-version article
References: . Alekseev S. S. Obschie dozvoleniya i obschie zaprety v sovetskom prave [General Permissions and General Prohibitions in Soviet Law]. Moscow, 1989. 288 p. (In Russ.).
2. Bakhrakh D. N. Administrativnoe pravo Rossii: uchebnik dlya vuzov [Administrative Law of Russia: Textbook for Universities]. Moscow, 2002. 640 p. (In Russ.).
3. Bondarev A. S. Dva tipa pravootnosheniy v obschestve: ikh edinstvo i razlichiya [Two Types of Legal Relations in Society: Their Unity and Distinction]. Vestnik Permskogo universiteta. Juridicheskie nauki – Perm University Herald. Juridical Sciences. 2011. Issue 1. Pp. 7–18. (In Russ.).
4. Valeev M. M. Veschi kak ob"ekty grazhdanskikh pravootnosheniy: dis. ... kand. yurid nauk [Things as Objects of Civil Relations: Cand. jurid. sci. diss.]. Ekaterinburg, 2003. 215 p. (In Russ.).
5. Golubcov V. G. Novoe v zakonodatel'stve ob ispolnenii sudebnykh resheniy po iskam k kazne [The New in Legislation on the Enforcement of Court Decisions on Claims against the Treasury]. Khozyaystvo i pravo – Business and Law. 2006. Issue 10. Pp. 84–89. (In Russ.).
6. Golubcov V. G. Pravovoy rezhim denezhnykh sredstv kazny: osnovy mezhotraslevogo regulirovaniya [The Legal Regime of Treasury Funds: the Basis of Interbranch Regulation]. Zakonodatel'stvo i ekonomika – Legislation and Economy. 2006. Issue 9. Pp. 11–16. (In Russ.).
7. Golubcov V. G., Kuznecova O. A. Cel' civilisticheskogo dissertacionnogo issledovaniya [The Purpose of Civil Dissertation Research]. Metodologicheskie problemy civilisticheskikh issledovaniy: Sbornik nauchnykh statey / otv. red. A. V. Gabov, V. G. Golubcov, O. A. Kuznecova [Methodological Problems of Civil Research: Collection of Scientific Articles; ed. by A. V. Gabov, V. G. Golubtsov, O. A. Kuznetsova]. Moscow, 2016. Pp. 53–77. (In Russ.).
8. Golubcov V. G. Rossiyskaya Federaciya kak sub"ekt grazhdanskogo prava [The Russian Federation as a Subject of Civil Law]. Moscow, 2019. 272 p. (In Russ.).
9. Efimova L. G. Osobennosti ispolneniya obyazatel'stva so mnozhestvennost'yu lic na storone kreditora v bankovskoy praktike [Performance of an Obligation with a Plurality of Persons on the Side of the Creditor in Banking Practice]. Civilist – Civil Law Scholar. 2008. Issue 4. Pp. 81–89. (In Russ.).
10. Efimova L. G. Dogovory bankovskogo vklada i bankovskogo scheta: monografiya [Bank Deposit and Bank Account Agreements: Monograph]. Moscow, 2018. 428 p. (In Russ.).
11. Isakov V. B. Mekhanizm pravovogo regulirovaniya i pravovye rezhimy [The Mechanism of Legal Regulation and Legal Regimes]. Problemy teorii gosudarstva i prava / pod red. S. S. Alekseeva [Problems of the Theory of State and Law; ed. by S. S. Alekseev]. 1987. Pp. 258–259. (In Russ.).
12. Kal'gina A. A. Pravovoy rezhim bankovskogo scheta: avtoref. dis. ... kand. yurid. nauk [Legal Regime of a Bank Account: Synopsis of Cand. jurid. sci. diss.]. Moscow, 2006. 24 p. (In Russ.).
13. Kaminskiy B. B. Individual'nyy pravovoy status lichnosti: dis. ... kand. yurid. nauk [Individual Legal Status of Personality: Cand. jurid. sci. diss.]. Sverdlovsk, 1986. 179 p. (In Russ.).
14. Komissarova E.G. Formal'no logicheskie aspekty ponyatiya «pravovaya priroda» [Formal Logical Aspects of 'the Legal Nature' Conception]. Vestnik Permskogo universiteta. Juridicheskie nauki – Perm University Herald. Juridical Sciences. 2012. Issue 2. Pp. 23–29. (In Russ.).
15. Matuzov N. I., Mal'ko A. V. Pravovye rezhimy: voprosy teorii i praktiki [Legal Regimes: Issues of Theory and Practice]. Izvestiya vuzov. Pravovedenie – Proceedings of Higher Educational Institutions. Pravovedenie. 1996. Issue 1. Pp. 16–29. (In Russ.).
16. Ozhegov S. I., Shvedova N. Yu. Tolkovyy slovar' russkogo yazyka [Explanatory Dictionary of the Russian Language]. Moscow, 2005. 907 p. (In Russ.).
17. Rodionov O. S. Mekhanizm ustanovleniya pra¬vo¬vykh rezhimov rossiyskim zakonodatel'stvom: dis. ... kand. yurid. nauk [The Mechanism for Establishing Legal Regimes by Russian Legislation: Cand. jurid. sci. diss.]. Saratov, 2001. 157 p. (In Russ.).
18. Senchischev V .I. Ob"ekt grazhdanskogo pravootnosheniya [The Object of Civil Relations]. Aktual'nye problemy grazhdanskogo prava / pod red. M. I. Braginskogo [Current Problems of Civil Law; ed. by M. I. Braginskiy]. Moscow, 1999. Pp. 109–160. (In Russ.).
19. Syropyatova N. V. Funkcii dogovorov ban¬kovskogo scheta v rossiyskom grazhdanskom prave: avtoref. dis. ... kand. yurid. nauk [Functions of Bank Account Agreements in Russian Civil Law: Synopsis of Cand. jurid. sci. diss.]. Ulyanovsk, 2019. 30 p. (In Russ.).
20. Shamsumova E. F. Pravovye rezhimy (teoreticheskiy aspekt): dis. ... kand. yurid. nauk [Legal Regimes (Theoretical Aspect): Cand. jurid. sci. diss.]. Ekaterinburg, 2001. 213 p. (In Russ.).
21. Yuridicheskaya enciklopediya / otv. red. B. N. Topornin [Legal Encyclopedia; ed. by B. N. Topornin]. Moscow, 2001. 1267 p. (In Russ.).
22. Abdulah S. The Bank's Duty of Confidentiality, Disclosure versus Credit Reference Agencies; Further Steps for Consumer Protection: 'Approval Model'. European Journal of Current Legal Issues. 2013. Issue 19(4). Available at: (accessed 27.02.2020). (In Eng.).
23. Ardic O. P., Ibrahim J. A., Mylenko N. Consumer Protection Laws and Regulations in Deposit and Loan Services. A Cross-Country Analysis with a New Data Set. CGAP, 2011. Available at:¬posit-and-Loan-Services-Jan-2011.pdf (acces¬sed 27.02.2020). (In Eng.).
24. Cranston R., Sante T. V. Principles of Banking Law. Oxford University Press, 2018. 520 p. (In Eng.).
25. Jimerson C. B. Anti-tying Regulations: What Can a Bank Do and Not Do? August 29, 2017. Available at: blog/2017/08/anti-tying-regulations/ (accessed 10.03.2020). (In Eng.).
26. Oldham J. T. Divorce, Separation and the Distribution of Property. Law Journal Press. 2019. 400 p. (In Eng.).
27. Sommer J. H. Where is a Bank Account? Maryland Law Review. 1998. Vol. 57. Available at: (accessed 10.03.2020). (In Eng.)
Received: 02.02.2020
Financing: ---




The Perm State University
614990, Perm, street Bukireva, 15
+7 (342) 2 396 275
ISSN 1995-4190 ISSN (eng.) 2618-8104
ISSN (online) 2658-7106
DOI 10.17072/1995-4190
(с) Editorial board, 2010
The magazine is registered in Federal Agency of supervision in sphere of communication and mass communications.
The certificate on registration of mass media ПИ № ФС77-33087 from September, 5th, 2008
The certificate on reregistration of mass media ПИ № ФС77-53189 from Marth, 14th, 2013

The magazine is included in List ВАК and in the Russian index of scientific citing

The founder & Publisher: the State educational institution of the higher training
“The Perm State University”.
Publishing 4 times a year