Деякі аспекти цивільно-правової відповідальності сторін за договором банківського рахунку
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Дата
2022
Науковий керівник
Укладач
Редактор
Назва журналу
ISSN
E-ISSN
Назва тому
Видавець
Одеський національний університет імені І. І. Мечникова
Анотація
Стаття присвячена дослідженню характерних особливостей цивільно-правової
відповідальності за договором банківського рахунку. Характеризуючи особливості
цивільно-правової відповідальності за договором банківського рахунку, варто брати
до уваги загальні положення щодо цивільно-правової відповідальності, зазначені
у Цивільному кодексі України [1]. Особлива увага приділяється дослідженню
відповідальності сторін за договором банківського рахунку.
The article is devoted to the study of theoretical aspects of the civil liability of the parties under the bank account agreement. The article is devoted to the study of the characteristic features of civil liability under a bank account agreement. Characterizing the specifics of civil liability under a bank account agreement, it is worth taking into account the general provisions on civil liability specified in the Civil Code of Ukraine. Special attention is paid to the investigation of the parties’ responsibility under the bank account agreement. In the article there are defined civil liability through the category of «sanction», that is, under civil liability should be meant certain legal consequences that follow for the offense committed, and are implemented with the help of influence measures, expressed in negative property consequences for offender. There are also defined that banking activity is always associated with risk, banks ensure the circulation of money in society, and the line between the liability of banks for personal funds and the funds of depositors of the latter is very «flexible» - and therefore, the limitations on the liability of banks in the implementation of the latter offenses in the implementation settlement operations - must be taken into account in terms of banks’ responsibility when carrying out settlement operations. The article also notes that the amount of responsibility to the client is much smaller compared to the bank. As mentioned above, the essence of the contract under study is the provision of banking services, and their timely payment is the client’s responsibility and the main indicator of the appropriateness of the contract. It is also noted that the illegal behavior of the parties to the bank account agreement can be expressed both in certain actions and in inaction. Illegal behavior «corresponds» to those obligations of the bank and the client, which are provided for by regulatory acts and terms of the contract and for the non-fulfillment of which the law or contract provides for civil liability
The article is devoted to the study of theoretical aspects of the civil liability of the parties under the bank account agreement. The article is devoted to the study of the characteristic features of civil liability under a bank account agreement. Characterizing the specifics of civil liability under a bank account agreement, it is worth taking into account the general provisions on civil liability specified in the Civil Code of Ukraine. Special attention is paid to the investigation of the parties’ responsibility under the bank account agreement. In the article there are defined civil liability through the category of «sanction», that is, under civil liability should be meant certain legal consequences that follow for the offense committed, and are implemented with the help of influence measures, expressed in negative property consequences for offender. There are also defined that banking activity is always associated with risk, banks ensure the circulation of money in society, and the line between the liability of banks for personal funds and the funds of depositors of the latter is very «flexible» - and therefore, the limitations on the liability of banks in the implementation of the latter offenses in the implementation settlement operations - must be taken into account in terms of banks’ responsibility when carrying out settlement operations. The article also notes that the amount of responsibility to the client is much smaller compared to the bank. As mentioned above, the essence of the contract under study is the provision of banking services, and their timely payment is the client’s responsibility and the main indicator of the appropriateness of the contract. It is also noted that the illegal behavior of the parties to the bank account agreement can be expressed both in certain actions and in inaction. Illegal behavior «corresponds» to those obligations of the bank and the client, which are provided for by regulatory acts and terms of the contract and for the non-fulfillment of which the law or contract provides for civil liability
Опис
Ключові слова
відповідальність, цивільно-правова відповідальність, порушення договору, договір, банківський рахунок, liability, civil liability, breach of contract, contract, bank account
Бібліографічний опис
Правова держава = Правовое государство = Сonstitutional State