{"created":"2023-09-13T02:38:28.761365+00:00","id":2000108,"links":{},"metadata":{"_buckets":{"deposit":"8008debc-acca-4f93-bc4b-ca60e060124c"},"_deposit":{"created_by":8,"id":"2000108","owners":[8],"pid":{"revision_id":0,"type":"depid","value":"2000108"},"status":"published"},"_oai":{"id":"oai:chuo-u.repo.nii.ac.jp:02000108","sets":["333:1694049517290"]},"author_link":[],"control_number":"2000108","item_10002_biblio_info_7":{"attribute_name":"書誌情報","attribute_value_mlt":[{"bibliographicIssueDates":{"bibliographicIssueDate":"2021-03-24","bibliographicIssueDateType":"Issued"},"bibliographicIssueNumber":"5-6","bibliographicPageEnd":"339","bibliographicPageStart":"309","bibliographicVolumeNumber":"127","bibliographic_titles":[{"bibliographic_title":"法学新報","bibliographic_titleLang":"ja"}]}]},"item_10002_description_19":{"attribute_name":"フォーマット","attribute_value_mlt":[{"subitem_description":"application/pdf","subitem_description_type":"Other"}]},"item_10002_description_5":{"attribute_name":"抄録","attribute_value_mlt":[{"subitem_description":"高齢者等の意思能力が不十分な顧客の預金取引が増加している。しかし、判断能力に応じた取引内容を約款上は明確には定めておらず、金融機関側での個別対応は難しい。判例（東京高裁平成二二・一二・八）においても、保佐制度による本人保護と預金取引の安全を図る約款の合理性につき、一審と控訴審での判断の違いとなった。事理弁識能力が低下した預金者には、意思主義を本質とする約款理論と成年後見制度との接合が必要である。意思決定支援が必要な顧客（預金者）保護のために、預金支払い時の注意義務においても、意思能力を含めた顧客属性の正確な把握が約款策定者（銀行）には「制度」的に求められる。このような課題には、①消費者保護の手法により、預金者の取引状況や事理弁識能力を含めた個別事情を考慮すべきであり、②総合的に判断して支払いに応じる「適合性の原則」を援用した新たな行為規制が金融機関に求められ、③預金者本人が判断が困難になった場合を想定して自己決定できるような仕組みや金融商品を整備すること、④金融機関や法律専門職等と家庭裁判所とが連携して不正防止と制度の利便性を図ることが重要である。","subitem_description_language":"ja","subitem_description_type":"Abstract"}]},"item_10002_publisher_8":{"attribute_name":"出版者","attribute_value_mlt":[{"subitem_publisher":"法学新報編集委員会","subitem_publisher_language":"ja"}]},"item_10002_rights_15":{"attribute_name":"権利","attribute_value_mlt":[{"subitem_rights":"この資料の著作権は、資料の著作者または学校法人中央大学に帰属します。著作権法が定める私的利用・引用を超える使用を希望される場合には、掲載誌発行部局へお問い合わせください。","subitem_rights_language":"ja"}]},"item_10002_source_id_9":{"attribute_name":"ISSN","attribute_value_mlt":[{"subitem_source_identifier":"0009-6296","subitem_source_identifier_type":"ISSN"}]},"item_10002_version_type_20":{"attribute_name":"著者版フラグ","attribute_value_mlt":[{"subitem_version_resource":"http://purl.org/coar/version/c_970fb48d4fbd8a85","subitem_version_type":"VoR"}]},"item_creator":{"attribute_name":"著者","attribute_type":"creator","attribute_value_mlt":[{"creatorNames":[{"creatorName":"澁谷,彰久","creatorNameLang":"ja"},{"creatorName":"シブヤ,アキヒサ"},{"creatorName":"SHIBUYA,Akihisa"}]}]},"item_files":{"attribute_name":"ファイル情報","attribute_type":"file","attribute_value_mlt":[{"accessrole":"open_access","filename":"0009-6296_127_5_6_309-339.pdf","mimetype":"application/pdf","url":{"url":"https://chuo-u.repo.nii.ac.jp/record/2000108/files/0009-6296_127_5_6_309-339.pdf"},"version_id":"283e5083-7730-4096-b959-60ae03e51251"}]},"item_keyword":{"attribute_name":"キーワード","attribute_value_mlt":[{"subitem_subject":"成年後見法","subitem_subject_language":"ja","subitem_subject_scheme":"Other"},{"subitem_subject":"保佐","subitem_subject_language":"ja","subitem_subject_scheme":"Other"},{"subitem_subject":"約款","subitem_subject_language":"ja","subitem_subject_scheme":"Other"},{"subitem_subject":"預金","subitem_subject_language":"ja","subitem_subject_scheme":"Other"},{"subitem_subject":"高齢者","subitem_subject_language":"ja","subitem_subject_scheme":"Other"},{"subitem_subject":"意思能力","subitem_subject_language":"ja","subitem_subject_scheme":"Other"},{"subitem_subject":"意思決定支援","subitem_subject_language":"ja","subitem_subject_scheme":"Other"},{"subitem_subject":"消費者契約","subitem_subject_language":"ja","subitem_subject_scheme":"Other"},{"subitem_subject":"適合性の原則","subitem_subject_language":"ja","subitem_subject_scheme":"Other"},{"subitem_subject":"事理弁識能力","subitem_subject_language":"ja","subitem_subject_scheme":"Other"}]},"item_language":{"attribute_name":"言語","attribute_value_mlt":[{"subitem_language":"jpn"}]},"item_resource_type":{"attribute_name":"資源タイプ","attribute_value_mlt":[{"resourcetype":"departmental bulletin paper","resourceuri":"http://purl.org/coar/resource_type/c_6501"}]},"item_title":"預金約款と成年後見制度上の法的課題","item_titles":{"attribute_name":"タイトル","attribute_value_mlt":[{"subitem_title":"預金約款と成年後見制度上の法的課題","subitem_title_language":"ja"},{"subitem_title":"The issue of bank deposit clause and adult guardianship system","subitem_title_language":"en"}]},"item_type_id":"10002","owner":"8","path":["1694049517290"],"pubdate":{"attribute_name":"PubDate","attribute_value":"2023-09-13"},"publish_date":"2023-09-13","publish_status":"0","recid":"2000108","relation_version_is_last":true,"title":["預金約款と成年後見制度上の法的課題"],"weko_creator_id":"8","weko_shared_id":-1},"updated":"2023-10-04T01:26:41.312657+00:00"}