Remedial path for incorrect transfer—From the perspective of reflections on"Possession is ownership"of deposits
Deposits reflect the debtor-creditor relationship between depositors and banks.There is neither ownership nor a question of whether"Possession is ownership"or"specialization"is met.The nature of transfer behavior is debt recognition,and in order to maintain bank credit,it should be recognized that debt possesses noncausation in principle.In the case of incorrect transfer,as it does not worsen the creditor's status of the recipient,the transferor should not bear all the risks despite faults.Exceptionally,it can be recognized that the debt between the bank and the recipient has a causation.Namely,it is ineffective because there is no basic relationship between the incorrect transferor and the recipient,in order to protect the interests of the incorrect transferor.
incorrect transferdeposit creationacknowledgement of debtcausative nature
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