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随着市场经济的发展,金融领域里的经济纠纷案件大幅度上升,特别是由于银行直接扣收保证人在其开户帐号上的存款还贷而引起保证方行使追索权的案件逐年增多。据某县法院司法统计,该类诉讼案件约占借款纠纷案件的10%左右。那么,银行直接扣收担保方的存款还贷行为是否合法呢?一、从《借款合同条例》第二十一条的规定上看:“借款合同发生纠纷时,当事人双方应及时协商解决。协商不成时,任何一方均可向合同管理机关申请调解、仲裁,也可以依法
With the development of the market economy, the number of economic disputes in the financial sector has risen sharply. Especially, the number of guarantors’ recourse cases has been increasing year by year because of the bank directly deducting the deposit repayments of guarantors on their account opening accounts. According to the judicial statistics of a county court, such litigation cases account for about 10% of the cases of loan disputes. Then, bank direct deduction guarantor of the deposit repayment behavior is legal? First, from the ”loan contract“ the twenty-first article of the rules: ”When the loan contract dispute, both parties should promptly negotiate settlement. When the negotiation fails, either party may apply to the contract authority for mediation or arbitration, or according to law