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

Title: LEGAL REGIMES OF BANK ACCOUNTS IN RUSSIA
Authors:

N. V. Syropiatova, Perm State University

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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
Annotation:

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
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Received: 02.02.2020
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ISSN 1995-4190 ISSN (eng.) 2618-8104
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DOI 10.17072/1995-4190
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