Chế định cầm cố tài sản trong Bộ luật Dân sự 2015 và bàn luận về cầm cố tiền gửi tiết kiệm tại ngân hàng

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Tác giả: Đình Lành Cao

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Tạp chí Pháp luật và Thực tiễn, 2020

Mô tả vật lý: tr.12

Bộ sưu tập: Metadata

ID: 294774

Thêm vào giỏ Liên kết toàn văn

Chế định cầm cố tài sản được quy định rất rõ trong Bộ luật Dân sự năm 2005, hiện nay được ghi nhận tiếp từ Điều 309 đến Điều 316 của Bộ Luật Dân sự 2015. Tuy nhiên, hiện nay có ý kiến của một số chuyên gia pháp lý làm việc tại các ngân hàng cho rằng khách hàng có thể dùng thẻ tiết kiệm của ngân hàng này đi thế chấp tại ngân hàng khác. Vậy biện pháp bảo đảm nghĩa vụ này là cầm cố hay thế chấp. Nếu là thế chấp thì thẻ tiết kiệm có được coi là giấy tờ có giá không và nếu người được cấp thẻ tiết kiệm thông báo mất thẻ thì có được ngân hàng cho làm lại thẻ tiết kiệm không. Để giải quyết nội dung này chúng ta đi nghiên cứu về chế định cầm cố được quy định trong BLDS 2015, trong đó có so sánh biện pháp cầm cố với thế chấp để thấy được những điểm khác nhau của hai biện pháp này và những quy định của pháp luật về tiền gửi ngân hàng để khẳng định tiền gửi tiết kiệm tại ngân hàng là cầm cố.Pledge of property regulations have been defined very clearly in the Civil Code 2005 and codified in Article 307 to the Article 216 of the Civil Code 2015. In practice, there are some legal experts who work in credit institutions opine that the bank’s clients are entitled to use the fixed saving deposit book as collateral for a loan from the other bank. So, the use of this warranty should be considered as a mortgage or as a pledge of the property? In case of considering as the mortgage of property, does the fixed saving deposit book would be considered as a valuable paper and is it possible to allow the owner to claim a new fixed saving deposit book by declaring the lost? To find out the answer, we bring this issue in our study of the pledge of property regulations of the Civil Code 2015 by comparing the mortgage with the pledge of property to see the differences among these two security measures in applicable to the banking regulations regarding the fixed deposit saving in order to confirm that the said security measure is the mortgage.

1. Đọc trực tuyến

1. Đọc trực tuyến

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