각종 정보 및 서식/업무 관련 정보

예금의 질권설정방법

싱나는싱이 2019. 7. 23. 14:38
728x90
반응형

예금의 질권설정방법

 

1. 예금주(질권설정자)와 채권자(질권자) 간에 질권설정계약서 작성

2. 예금주가 예금은행에 질권설정을 통지하거나 은행으로부터 질권설정 승낙을 받아야 함

3. 질권설정금지 특약이 있는 경우 제3채무자로부터 질권설정 승낙서를 받아야 함

4. 질권설정으로서 제3자에게 대항하기 확정일자 있는 증서로써 통지나 승낙이 이루어져야 함(민법 제349조)

5. 예금통장과 도장을 질권자가 가지고 있는 것이 가장 완전한 질권설정방법

 

구비 서류

- 질권설정승낙의뢰서 2부 (사용인감 可能)
- 법인인감증명서 1부
- 위임장 1부 (법인인감 날인)
- 사용인감계 1부
- 질권설정자와 채무자 상이할 시, 질권설정계약서 3부

 

※확정일자로 취급되는 것

① 등기소, 법원, 우체국에서 부여한 날짜 – 근저당권설정계약서상 접수인, 가압류·압류결정서, 판결정본상 날짜, 내용증명상 우편상 날짜

② 공증사무소에서 부여한 날짜

③ 동사무소에서 주택임대차계약서상에 부여한 날짜

 

 

질권의 실행방법

㈎ 민법에 의한 실행방법

질권자는 제3채무자인 은행에 대하여 예금지급을 직접 청구할 수 있다. 은행이 변제기가 도래하였음에도 불구하고 질권자에게 자발적으로 지급을 하지 않는 경우에는 질권자가 원고가 되고 은행이 피고가 되는 예금지급(반환)청구소송을 제기하여 승소한 후 은행을 상대로 강제집행을 실시하여 변제받을 수도 있다(민법 제353조).

㈏ 민사소송법에 의한 실행방법

위와 같이 민법이 정하고 있는 바에 따라 직접 청구를 할 수 있으나 민사소송법이 정하고 있는 바에 따라 실행할 수도 있다(민법 제354조, 민사소송법 제733조). 즉 질권설정자의 예금지급(반환)청구권에 대하여 질권자가 질권설정계약서를 가지고 제3채무자를 상대로 법원에 채권압류 및 추심명령 또는 채권압류 및 전부명령을 신청하는 것이다.

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

 

728x90
320x100