ISSUES OF APPLICATION OF COLLATERAL ON A BANK ACCOUNT
https://doi.org/10.17803/1994-1471.2016.70.9.210-213
Abstract
The article considers the basic legal and economic reasons for the pledge of rights under a bank account agreement to be limited in usage in practice. It also covers the causes related to ambiguous legal nature of collateral accounts, contradictions in the regulation mechanism of realization of collateral on the account, exclusion of such a form of security ascertaining fund reserves for possible losses on loans and the obligatory standards of credit institutions, exclusion of funds in collateral accounts from the system of insurance of physical persons deposits. It is also proposed to eliminate barriers identified through the changes in the Civil Code of the Russian Federation and other regulatory legal acts, including the regulatory acts of the Bank of Russia.
Keywords
the pledge of rights under a bank account (deposit) agreement,
collateral account,
obstacles for the use of the pledge of rights under a bank account agreement,
collateral account agreement,
conversion to collateral account,
implementation of the mechanism of the pledge of rights under a bank account agreement
Review
For citations:
Lisitsyna Y.V. ISSUES OF APPLICATION OF COLLATERAL ON A BANK ACCOUNT. Actual Problems of Russian Law. 2016;(9):210-213. (In Russ.) https://doi.org/10.17803/1994-1471.2016.70.9.210-213
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