论银行账户资金的权利属性——横向公司诉冶金公司、汉口支行案之理论评析

存款人对银行账户资金即存款享有所有权,这是物权价值化的必然结果,也是物权与债权相区分的必然要求.因此,存款合同在性质上属于资金保管与转移资金利用权的混合合同;存款人与银行之间的法律关系并非是债权人与债务人之间的关系,而是所有权人与利用权人之间的关系.

On the Nature of Funds in Banking Account

It is inevitable that a depositor enjoys a real right over his funds in the banking account because of the valuation on real right and the distinguishing between right of creditor and real right.Therefore,in nature depositing funds contract is a mixed one by a common deposit contract and a contract on transferring the utilization right of the funds;It is not a right of creditor but a real right the depositor enjoys,and it is not the ownership of the funds but the right of utilizing the funds the bank acquires.