Issue 4 (22) 2013

Afanasev_Syropiatova_THE REFORM OF CIVIL LEGISLATION IN THE SPHERE OF REGULATION OF BANK ACCOUNTS IN THE CONDITIONS OF INNOVATION ECONOMY

THE REFORM OF CIVIL LEGISLATION IN THE SPHERE OF REGULATION OF BANK ACCOUNTS IN THE CONDITIONS OF INNOVATION ECONOMY

A.B. Afanasev

Perm State National Research University
15, Bukirev st., Perm, 614990
E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.

N.V. Syropiatova

Perm State National Research University
15, Bukirev st., Perm, 614990
E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.

Abstract: A system of bank accounts is the necessary element of non-cash payments. The draft of Civil Code contains significant changes to the regulation of bank accounts. The article analyzes the proposed changes. It considers new types of accounts that have not been regulated by civil legislation of Russia. Also it specifies a number of strengths and weaknesses in the legal regulation of bank accounts.


Keywords: innovation economy; banking innovation; bank account; the types of bank accounts; legal regulation of types of bank accounts

 

Bibliograficheskij spisok

  1. Grazhdanskij kodeks Rossijskoj Federacii. Chast' vtoraja ot 26 janv. 1996 g. №14-FZ (red. ot 23.07.2013) // Sobr. zakonodatel'stva Ros. Federacii. 1996. №5, st. 410.

  2. Efimova L. Konceptual'nye, teoreticheskie i tehnicheskie nedostatki v proekte GK RF (glava 45 GK RF «Bankovskij schet») // Hozjajstvo i pravo. 2012. №11(430). S. 3–7.

  3. Obzor praktiki rassmotrenija sporov, svjazannyh s primeneniem arbitrazhnymi sudami norm Grazhdanskogo kodeksa RF o zaloge: inform. pis'mo Prezidiuma VAS RF ot 15 janv. 1998 g. №26 // Vestnik VAS RF. 1998. №3.

  4. O vnesenii izmenenij v chasti pervuju, vtoruju, tret'ju i chetvertuju Grazhdanskogo kodeksa RF, a takzhe v otdel'nye zakonodatel'nye akty RF: proekt Feder. zakona №47538-6: prinjat Ros. Dumoj v pervom chtenii postanovleniem Gos. Dumy Feder. Sobr. Ros. Federacii ot 27 apr. 2012 g. №314-6 GD «O proekte Federal'nogo zakona №47538-6 “O vnesenii izmenenij v chasti pervuju, vtoruju, tret'ju i chetvertuju Grazhdanskogo kodeksa RF, a takzhe v otdel'nye zakonodatel'nye akty RF”» // Sobr. zakonodatel'stva Ros. Federacii. 2012. №19, st. 2314.

  5. Ob otkrytii i zakrytii bankovskih schetov, schetov po vkladam (depozitam)» (red. ot 28.08.2012): instrukcija Banka Rossii ot 14 sent. 2006 g. №28-I // Vestnik Banka Rossii. 2006. №57.

  6. Polozhenie o beznalichnyh raschetah v Rossijskoj Federacii: utv. Bankom Rossii 3 okt. 2002 g. №2-P: zaregistr. v Minjuste Rossii 23 dek. 2002 g. №4068 // Vestnik Banka Rossii. 2002. №74. (Dokument posledovatel'no otmenen Polozhenijami Banka Rossii ot 19.06.2012 №383-P, ot 29.06.2012 №384-P).

  7. Sergeev V.V. O novyh vidah bankovskih schetov (iz Komissii po zakonodatel'stvu o finansovyh rynkah Associacii juristov Rossii) // Bankovskoe pravo. 2012. №6. S. 3–13.

  8. Churakov M.S. Pravovye problemy regulirovanija beznalichnyh raschetov: grazhdansko-pravovoj aspekt: avtoref. dis. … kand. jurid. nauk. M., 2008. 25 s.

  9. Khiaonarong T., Liebenau J. Banking on Innovation: Modernisation of Payment Systems. Physica-Verlag, 2009. 242 p.

  10. King R. Gutteridge and Megrah’s Law of Bankers’ Commercial Credit. London and New York. Europa Publications. Taylor & Francis e-Library, 2004. 429 p.

  11. Pierce Aileen, Brennan Niamh Principles and Practice of Group Accounts: A European Perspective, 2003. 320 p.

  12. Stanley S. Reyburn California Escrow procedure: a blueprint for the nation. Prentice-Hall, 1980. 320 p.

  13. W. Scott Frame and Lawrence J. White Technological Change, Financial Innovation, and Diffusion in Banking. Atlanta, 2009. 32 p.

 

 


      

      

 
The Perm State University
614990, Perm, street Bukireva, 15
+7 (342) 2 396 275, +7 963 012 6422
vesturn@yandex.ru
ISSN 1995-4190
(с) Editorial board, 2010
Publishing 4 times a year
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 РИНЦ (the Russian index of scientific citing)

The founder: the State educational institution of the higher vocational training
“The Perm State University”.