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예금에 대한 (가)압류 및 체납처분압류는 그 양적인 면에서도 많을 뿐만 아니라, 피압류채권의 특정에 관하여 대단히 불명확하고, 그 전형적인 통일 안이 없어, 은행의 예금관리업무에 막대한 지장을 초래하고 있다. 따라서 장래 발생 예금채권에 대한 압류의 허용 여부 및 피압류채권의 표시방법 등 에 대하여 법원은 통일적인 업무처리기준을 설정하는 것이 필요하다. 즉 통 일된 업무처리기준이 존재할 경우 은행은 동 기준에 의해 예금압류업무를처리함으로써 이와 관련하여 발생할 수 있는 법적 책임을 최소화할 수 있을 것이고, 압류채권자나 채무자는 관련 은행의 보수적 업무처리와 각 은행별 다른 업무처리방식에 의한 혼란으로부터 벗어나 명확한 자신의 권리와 의무 를 알게 될 것이기 때문이다.


Since (provisional) seizure or an attachment for unpaid taxes on savings account, though voluminous quantitatively, are very uncertain in specifying claims to be seized, and there are is currently no typical uniform(model) guidance in dealing with relevant procedures, causing many problems in the management of savings accounts by banks. Hence, it is needed that uniform guidance should be established dealing relevant businesses, such as whether to acknowledge seizure on savings account based on claims which might be accrued in the future, and such as how to specify the claims to be seized. Because when there is an uniform guidance in dealing with the relevant procedures, banks can minimize their responsibility by dealing with seizure on savings account based on the guidance. And creditors and debtors may also clearly recognize their rights and duties by avoiding confusions arising out of restrictive or different procedures by banks regarding seizure on savings account.


Since (provisional) seizure or an attachment for unpaid taxes on savings account, though voluminous quantitatively, are very uncertain in specifying claims to be seized, and there are is currently no typical uniform(model) guidance in dealing with relevant procedures, causing many problems in the management of savings accounts by banks. Hence, it is needed that uniform guidance should be established dealing relevant businesses, such as whether to acknowledge seizure on savings account based on claims which might be accrued in the future, and such as how to specify the claims to be seized. Because when there is an uniform guidance in dealing with the relevant procedures, banks can minimize their responsibility by dealing with seizure on savings account based on the guidance. And creditors and debtors may also clearly recognize their rights and duties by avoiding confusions arising out of restrictive or different procedures by banks regarding seizure on savings account.