Abstract

In view of bankcard deposit losses recently reported in newspapers, we should reconsider the legal relationship between the bank and the depositor. The thesis defines the nature of deposit contracts, expounds the rights and obligations of each party, draws the conclusions that: i) deposit contracts are consumer loan contracts in nature; ii) the bank enjoys the ownership of the deposits and undertakes all risks, and analyzes the liabilities of each party for deposit loss under different circumstance.

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