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作为银行资产业务的主要来源,贷款历来受各家金融机构的重视,借款人通过在银行开立贷款账户以取得信贷资金并按时偿还欠款,这不仅促进了资本融通更刺激了社会生产力的进步。然而,目前并没有法律对贷款账户的属性予以定义,这也导致了2015年以来,山东枣庄、日照等地多次出现被执行单位因经济纠纷无力偿付申请执行人欠款而被法院冻结贷款账户的情形。因此,探讨银行贷款账户的性质势在必行。
As the main source of bank asset business, loans have always been valued by various financial institutions. Borrowers can obtain credit funds and repay their debts on time by opening loan accounts with banks. This not only promotes the development of social productive forces . However, there are currently no laws that define the attributes of the loan account. This has resulted in many cases in Shandong Zaozhuang, Rizhao, etc. that the executing unit was frozen by the court due to financial disputes being unable to pay the executor due to economic disputes since 2015, The situation. Therefore, to explore the nature of bank loans is imperative.