储蓄合同研究文献综述——以冒领存款问题为视角

Literature Review of Savings Contract——In the Perspective of Impersonator Deposit

储蓄合同是与人们日常生活密切相关的一种特别法上的有名合同,在合同法分则无名合同的研究上,储蓄合同为必谈种类。对已有的研究整理发现,储蓄合同的研究已有一定成果,但仍存在明显不足。具体而言,储蓄合同内部体系研究较为充分,对合同性质、存款所有权归属问题研究相对成熟,基础理论的研究成果对进一步做研究有很大的参考意义;储蓄合同外部体系研究较弱,在处理冒领存款案件时,损失认定、归责原则及诉讼类型的确认与已有理论存在冲突,在处理此类案件时应结合表见代理制度。未来对储蓄合同的研究要克服当下研究存在的不足,推动理论、立法、实践的良性互动。

Savings contract is a special legal contract which is closely related to people＇s daily life. In the study of the innominate contract in the contract law,the savings contract is the necessary type. It has been found that the research of savings contract has made some achievements,but there are still some obvious deficiencies. Specifically,the research on the internal system of the savings contract is comparatively abundant,and the research on the nature of the contract and the ownership of the deposit is relatively mature. The research results of the basic theory have great referenced significance for further research. But the research on the external system of the savings contract is weak. When it comes to impersonator deposit cases,the recognition of the loss,the principle of imputation and the type of litigation consist conflicts with the existing theory. Such cases should be dealt with the agency by estoppel system. In the future,the study of savings contract should overcome the shortcomings of the current research and promote the benign interaction of theory,legislation and practice.