银行与客户的法律关系

基于银行帐户的建立，即成立存款合同而发端的银行与客户的关系，其基本属性应该界定为借贷契约而非保管合同或信托关系。在澄清与此有关的认识误解的过程中，我们可以逐步把握银行与客户关系的若干法律特征，并进而理解其实践意义。

Legal Relations Between Bank and Customer

The legal relations between bank and customer has been established with an accoun opened. According tothe author' opinion, the basic property of this relations is not defined as a kind of preserving or trust contract but as acredit contract. We can gradually grasp the charateristic of this relations in the process of clearing up those misunder-standings, moreover, we can also get a further understanding of the practical significance.