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Law and Politics
Reference:

Moldovanov, M.M. Specifi c features of concluding and performance under the contract for the bank deposit for the natural persons in the Russian Federation

Abstract: In this article the author provides comparative legal analysis of the specific features for conclusion and performance under the bank deposit contract for the natural persons in the Russian Federation. The author names specific features, characterizing the procedure for its conclusion and performance, and the qualities differing it from a analogous contract concluded b the credit organizations with the legal entities. The author reveals the legal nature of the bank deposit contract with natural persons. Additionally, the author substantiates the distinction between the terms of “deposit” and “account”. In the process of his studies the author used general scientific research methods, as well as private law methods: comparative legal method, formal legal method, systemic structural analysis, etc. In the final part of the article, the author proposes the measures for the improvement of functioning of credit organizations, and guaranteeing the protection of rights and lawful interests of depositors. The author expresses a proposal for legislative specification of the period for the bank to pay the deposit to the depositor upon his first demand. Additionally, the author offers to introduce a new type of term time deposit, providing for a prohibition for preliminary withdrawal of a deposit or providing for the payment of the deposit after a certain period of time after the depositor files a demand on a return of deposit.

Keywords:

bank deposit, deposit, bank, credit organizations, natural persons, time term deposit, to be called for, types of deposits, return of deposit, insurance.

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