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近年来,我国部分商业银行根据《民法通则》、《合同法》以及《商业银行法》等法律规定,积极推行个人客户欠款扣收制度,对逾期欠款的个人客户行使抵销权和追偿权,切实维护商业银行合法权益。本文结合商业银行实施扣收制度的实践经验及具体案例,阐释个人客户欠款扣收制度背后的法律基础,揭示有关法律风险,并提出相应的风险防范措施。
In recent years, some commercial banks in our country actively promote the deduction system of individual customers’ debts in accordance with the General Principles of Civil Law, the Contract Law and the Commercial Bank Law, and exercise the right of set-off and recovery of overdue arrears of individual customers Right, effectively safeguard the legitimate rights and interests of commercial banks. Based on the practical experience of commercial banks in carrying out the system of deduction and the specific cases, this article explains the legal basis behind the deduction system of individual customers’ debts, reveals the relevant legal risks and puts forward corresponding risk prevention measures.