存单质押的风险防范及债权人的利益保护

:2009-07-22:2008(08CFXJ04):(1969-),,,,,:(,250100):,,,,,,,,:;;:D923:A:1009-8003(2009)06-0092-06Subject:RiskofPledgedSavingslipsandProtectionfortheCreditorsAuthor&unit:LIKe-li(LawSchoolShandongUniversity,JinanShandong250100,China)Abstract:Toensuretheinterestsofcreditorssuchasbankersandnon-financialcivilsubjectsaslenders,personalsavingslipsareoftenusedtobepledgedthoughsomerisksexist,especiallyincivilloans.Itisthelackanddiscrepancyofrelevantlawsandprovisionswhichmakesthepledgeofsavingslipsimpracticalincasesandcantprotectthecreditorsefficiently.Therefore,toensuretheaccomplishmentofpledgeofcreditors,bankersshouldbeentitledtoblockthefundofsavingslipsattherequestofpledgers,andaccordinglyamendtherelevantregulations,tomaketheobligatorstaketheirsharesinrespectofvoidpledgeofsavingslips.Keywords:pledgeofsavingslips;avoidingrisks;interestsofcreditors(),,,,,(),[1],,,[2],,200041,,2007,,,(),,(),,292009116(24,126)LegalForumNov.,2009No.6(Vol.24,Ser.No.126),,,,,:;,,,,,,,,,(),,,,,,,7576,100-102223224,,,,[3],,(),(),,,,,,,,,,,,,2007736:,,,(),:,,,;,,,,[4],19933132:,2003292:,,,39:,,,,,,,,,,,:,,;,,(),,,,,,,,,,,,,224:,;,,,,,?,,,,(),,,,,,,,,,?,20047A5,538.3A,()A,,200515,59,,A38.3,A,A,A,AA38.3[5],34:,(,),,?,,,,,,,?13:,,4920096,,106,,,,,,[6],,106,,A5,,,1062,,,,[7],[8](),,,,,,,,,16:,,,,,,,,,,,,,,,,,,,,,,,32:,(),,,,,,,,,,(),,(),,,,,,,,,,,,,,,,,59:,,,,,,,,,,,,,,,,,,,(),1997()8:,,,,,,,,,[9],,,,,2(),,,,,,[10],;,,,,,,,1P3,,;,;,1P383:,,,,,,,,,,,(),,,,6920096,,,,,,,,,,,,,,;,,,,,,,,,,,,,,[11]:[1].[M].:,2004:150.[2],.[J].,2006,(1).[3]WillaE.Gibson,BanksReignSupremeUnderRevisedArticle9DepositAccountRules[J].DelawareJournalofCorporateLaw,Spring,2005.[4].[M].:,2003:363.[5].[N].,2008-03-14.[6].[J].,2009,(3).[7].[M].:,2000:241.[8].:[M].:,2000:134.[9].[J].(),2006,(4).[10].[J].,2002,(8).[11].[M].:,,2007:296.[:]79: