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예금의 질권설정방법

by 싱나는싱이 2019. 7. 23.
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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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