Features Of Legislation On The Bank Account Agreement Development

Journal Issue:

Author Information: 

Associate Professor of the Department of Civil Law Disciplines at the Institute of Management, Economics and Innovations, Full Member of the International Academy of Informatization in the ECOSOC Consultative Status

Abstract: 

In the present article the basic stages of legislation on bank accounts in Russia development are analyzed. Author research features of accounts regulation in Russian Empire, Soviet Union and in modern conditions. It is noted that active development of operations on bank accounts and emergence of new types of bank accounts in Russia takes place in the second half of the XIX century. Account, at that time was considered as a kind of deposits on demand. In the Soviet period legal regulation of bank accounts and transactions on them was conducted by a quite extensive array of regulations that were adopted by various government agencies. One of the types of bank deposit agreements was the bank account agreement, according to which the banks, on behalf of customers carried out various types of payment transactions. In respect to concentration of considerable mass of payments in credit institutions it became possible to organize of non-cash payments. During the Soviet period of formation and development of civil law contract of bank accounts was an independent civil contract, other than a bank deposit agreement, which was intended to serve citizens and was a separate type of civil contract. In modern conditions for the proper understanding and legal interpretation of legal acts concerning the legal regulation of bank account agreement it is important to know position of the Constitutional Court in respect to this position and judicial practice. It is concluded that in Russian legislation and practice exists a fairly long history of legal regulation of operations with bank accounts. Accumulated practice requires further scientific analysis.

Keywords: 

bank, bank account, bank activity, legal regulation, current account, law, legislation.

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