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Perm University Herald. Juridical Sciences. 2016. Issue 3 (33) |
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| Title: | THE SECURITY FUNCTION OF A BANK ACCOUNT AGREEMENT | |||||||||
| Authors: |
Syropiatova N.V. |
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This email address is being protected from spambots. You need JavaScript enabled to view it. | |||||||
| ORCID: | 0000-0002-5235-8931 | ResearcherID: | J-1611-2016 | |||||||
| «Scopus» & «Web of Science» article: |
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| Requisites: | Syropyatova N. V. Obespechitel'naya funktsiya dogovora bankovskogo shcheta [The Security Function of a Bank Account Agreement]. Vestnik Permskogo universiteta. Juridicheskie nauki – Perm University Herald. Juridical Sciences. 2016. Issue 33. Pp. 319–328. (In Russ.). DOI: 10.17072/1995-4190-2016-33-319-328 | |||||||||
| DOI: | 10.17072/1995-4190-2016-33-319-328 | |||||||||
| Annotation: | Introduction: the article is devoted to the study of the security function of an interim bank account agreement. The author discusses some implementations of this function. Purpose: to form an idea of the bank account security function based on the analysis of scientific sources and regulations. Methods: the methodological framework of the research is based on a set of methods of scientific cognition, among which an important place is occupied by the functional method. Results: the author considers the concept of the security function of bank accounts, analyzes options for its implementation, reveals strengths and weaknesses of the legal regulation in this area. Conclusions: a bank account agreement has a security function. There are several options for its implementation. They include direct debit (charge-off without a client's order) and certain forms of non-cash payments made through bank accounts and possessing a security function. In addition, the Russian legislation has been supplemented with some types of bank accounts (escrow account agreement, escrow account) for which the security function is practically the main one. |
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| Keywords: | security function of a contract; bank account agreement; security function of a bank account; types of bank accounts; securing performance of obligations; encouraging the debtor to the proper performance of obligations; guaranteeing the interests of the creditor; direct debiting of funds from bank accounts; escrow account agreement, escrow accounts | |||||||||
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| References: | Bormotov A. V. Strakhovanie otvetstvennosti po dogovoru kak sposob obespecheniya ispolneniya obyazatel'stv [Liability Insurance of the Contract Breach as a Guarantee of Obligation to be Discharged]. Vestnik Permskogo universiteta. Juridicheskie nauki – Perm University Herald. Juridical Sciences. 2010. Issue 3(9). Pp. 95–102. (In Russ.). Bormotov A. V. Obespechitel'naya funkciya do-govora strakhovaniya v rossiyskom grazhdanskom prave: dis. ... kand. yurid. nauk [Security Function of the Insurance Contract in Russian Civil Law: Synopsis of Cand. jurid. sci. diss.]. Tomsk, 2010. 216 p. (In Russ.). Vitryanskij V. V. Novoe v pravovom regulirovanii zaloga [The New in Legal Regulation of Pledge]. Khozyaystvo i pravo – Business and Law. 2014. Issue 10. Pp. 3–19. (In Russ.). Egorov A. V. Zalogovye shcheta: aktual'nye za-dachi po nastroyke pravovoy konstruktsii [Security Accounts: Crucial Tasks for Adjusting the Legal Construction]. Khozyaystvo i pravo – Business and Law. 2015. № 3. Pp. 13–26. (In Russ.). Efimova L. G. Kontseptual'nye, teoreticheskie i tekhnicheskie nedostatki v proekte GK RF (glava 45 GK RF «Bankovskiy schet») [Conceptual, Theoretical and Technical Deficiencies in the Draft of the RF Civil Code (Chapter 45 of the RF Civil Code "Bank Account")]. Khozyajstvo i pravo – Business and Law. 2012. № 11(430). Pp. 3–7. (In Russ.). Kolomenskaya E. V. Funktsii dogovora v torgovom oborote: dis. ... kand. yurid. nauk [Functions of Contract in the Trade Turnover: Synopsis of Cand. jurid. sci. diss.]. Moscow, 2006. 27 p. (In Russ.). Krasavchikov O. A. Grazhdansko-pravovoy do-govor: ponyatie, soderzhanie i funktsii [Civil Contract: Concept, Content and Functions]. Antologiya ural'skoy tsivilistiki. 1925–1989: sb. st. [Anthology of the Ural Civil Law. 1925–1989. Digest of Articles]. Moscow, 2001. 431 p. (In Russ.). Salimzyanov B. I. Obespechitel'naya funktsiya predvaritel'nogo dogovora v sfere oborota nedvizhimosti: dis. ... kand. yurid. nauk [The Security Function of the Preliminary Contract in the Real Estate Turnover: Synopsis of Cand. jurid. sci. diss.]. Kazan, 2013. 207 p. (In Russ.). King R. Gutteridge and Megrah's Law of Bankers' Commercial Credit. London and New York. Europa Publications. Taylor & Francis e-Library, 2004. 429 р. (In Eng.). Stanley S. Reyburn California Escrow Procedure: a Blueprint for the Nation. Prentice-Hall, 1980. 320 р. (In Еng.). |
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| Financing: | --- | |||||||||
The Perm State University
614068, Perm, street Bukireva, 15 (Faculty of Law), +7 (342) 2 396 275
vesturn@yandex.ru
ISSN 1995-4190 ISSN (eng.) 2618-8104
ISSN (online) 2658-7106
DOI 10.17072/1995-4190
614068, Perm, street Bukireva, 15 (Faculty of Law), +7 (342) 2 396 275
vesturn@yandex.ru
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
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