People usually contract with banks and financial institutes, which is so-called as “deposit”. Although it is prevalent, but actually the nature of these kinds of contracts do not clearly established in our legal system. It seems, however, there is no usury, but in fact, it does not help. The paper aims at explaining the legal nature of these deposits in the banks. Therefore, it has tried to explain initially the characteristics of these deposits. Then the researcher is going to compare bank deposit contracts with their analogues such as: loan; bailment of a capital; empower, etc and finally to help clarifying the legal nature of the contracts.
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