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保证金是商业银行在业务开展中普遍使用的一种担保措施,保证金账户是银行会计核算与账务处理中设置的一种账户类型。当前对保证金的性质、保证金质押合同、保证金质押的物权效力等内容,法律法规并无明确规定,仅有个别司法解释予以规范。司法实践中,涉及保证金质押案件的裁判标准也存在较大分歧,保证金被法院扣划情况明有发生。本文拟从《最高人民法院公报》2015年第1期收录的典型案例入手,对商业银行保证金质押问题进行相关法律分析,并提出有关建议。
Margin is a kind of guarantee commonly used by commercial banks in business development. Margin accounts are an account type set up in bank accounting and accounting. At present, there are no specific provisions on the nature of the deposit, the pledged bond deposit and the real right effect of the pledged bond, which are regulated only by individual judicial interpretations. Judicial practice, involving the pledge of the deposit pledged the standards are also quite different, the deposit deducted by the court has occurred. This article intends to start from the typical case of “the Supreme People’s Court Bulletin” in 2015 first period, carries on the related legal analysis to the pledge question of the commercial bank deposit, and puts forward the related suggestion.