| 试论商业银行能否利用帐户单方面行使抵销权 |
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| 引用本文： | 侯新启,戴国凤.试论商业银行能否利用帐户单方面行使抵销权[J].贵州警官职业学院学报,2007,19(2):56-57,63. |
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| 作者姓名： | 侯新启 戴国凤 |
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| 作者单位： | 贵州大学,法学院,贵州,贵阳,550012 |
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| 摘 要： | 银行与银行建立帐户的客户之间的法律关系从性质上看主要是一种借贷合同关系，因此，当客户同时又是银行的借款人时，如果符合合同法上抵销的条件，银行可以单方面行使抵销权，这对保护商业银行的贷款债权尤有重要意义.
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| 关 键 词： | 银行 帐户 借贷合同关系 抵销权 |
| 文章编号： | 1671-5195(2007)02-0056-02 |
| 修稿时间： | 2006年12月25 |
On Whether a Commercial Bank can Use an Account to Unilaterally Exercise the Right of Offset |
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| HOU Xin-qi,DAI Guo-feng.On Whether a Commercial Bank can Use an Account to Unilaterally Exercise the Right of Offset[J].Journal of Guizhou Police Officer Vocational College,2007,19(2):56-57,63. |
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| Authors: | HOU Xin-qi DAI Guo-feng |
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| Institution: | HOU Xin-qi, DAI Guo-feng (Law School, Guizhou University, Guiyang 550012, China) |
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| Abstract: | The legal relationship between a bank and its clients who have accounts in the bank is the relationship of loan contract in nature. Therefore, in the case that the conditions conforms to the regulations on setoff in the contract law and a client is also a debtor, the bank can unilaterally exercise the right of setoff, which is important to protect the creditor's loan rights of commercial banks. |
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| Keywords: | bank account relationship of loan contract right of offset |
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