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“法官，我在法院没有官司，但我微信账号里的钱被你们冻结了，微信钱包已经无法正常使用，能否解除我微信账号内资金的冻结呢？”
随着网络支付的普及，
微信、支付宝等电子钱包
已成为我们日常生活中必不可少的部分。
被法院冻结的情形。
这时该怎么办呢？
我们一起看两则案例。
案例 1
在李某诉张某交通事故责任纠纷一案中，法院于2020年判决张某赔偿李某损失4.22万元。法院在执行中，冻结了以张某银行卡实名认证的微信账户资金3.54万元。
张某的前女友刘某提出异议，认为法院冻结的微信账户内资金是自己平时经营服装等的收入，与张某没有任何关系，遂诉至法院，请求解除对账户内资金的冻结。
经查，张某与刘某在2014年有一段短暂的恋爱关系后分手，张某在恋爱期间用女友刘某微信绑定了张某自己的银行卡并进行了实名认证。该微信是刘某以自己手机号注册并实际控制使用，微信号名称是刘某姓名全拼，微信账户资金的使用也只能由刘某通过微信支付进行收付款，无须通过实名认证的银行账户授权，与银行卡的支付方式有明显不同。微信财付通内资金均系刘某与其朋友间资金往来，未进入张某实名认证的银行账户，亦未与银行账户发生过经济往来。
据此，法院认为，该微信账户资金已特定化，与张某银行账户资金未发生混同，刘某对微信账户资金具有排他的控制权，遂判决不得执行刘某微信财付通账户内3.54万元资金。
案例 2
2020年，于某因借钱不还被诉至法院。执行中，法院冻结了于某实名认证的微信财付通账户内20万元资金。
案外人魏某提出异议并诉至法院，认为自己是该微信的实际使用人，账户中资金应归其所有，请求解除对微信账户内资金的冻结。
经查，魏某曾是一机械公司的出纳，因工作需要有些客户直接通过微信向其支付款项。老板于某为防止款项落入魏某口袋，要求绑定于某银行卡并进行实名认证。2016年底，魏某离开原单位，但一直未对微信财付通申请重新实名认证。
法院通过调取交易记录发现，魏某近几年微信账户流水中有多笔是与原机械公司客户间的资金往来，魏某称其离开原公司后微信账户完全由其支配，但未提供有效证据证明。
法院认为，现有证据无法证明在魏某离开原公司后其微信账户资金与于某之间已做了明确切割。魏某作为专业财会人员在离职后长期怠于办理财付通账户的注销、重新认证等手续，不排除其与于某之间存在恶意串通、逃避债务的合理怀疑，应由其承担举证不能的责任，遂判决驳回魏某的诉讼请求。
近年来，随着交易支付方式和执行信息化的发展，微信财付通、支付宝等电子账户作为被执行人的责任财产，已纳入到法院的查控范围。案外人以其是微信等电子账户内资金的真实权利人为由，请求排除执行，属于典型的“账户借用”类执行异议、执行异议之诉案件。法院在审理此类执行异议案件时，一般根据《执行异议复议规定》第25条第3项规定，以账户名称作为权属判断的基本标准。因账户借用违反了“货币占有即所有”的基本权属判断规则，对案外人的主张原则上不予支持。
然而，《执行异议复议规定》是关于执行程序中当事人提出执行异议时如何处理的规定，考虑到执行异议程序遵循形式审查原则，故该司法解释坚持了较高的外观化判断标准。但执行异议之诉案件的审理应坚持实质性审查标准，不应再仅以权利外观作为判断标准。
CAUTION！
一般来说，对于“账户借用”排除执行异议之诉类案件，案外人的主张符合下列条件的，人民法院应予支持：
一是存在真实的借用账户事实；
二是账户内资金已特定化；
三是案外人对账户内资金享有排他控制权；
四是申请执行人对账户内资金不享有信赖利益。
上述两则案例均存在微信财付通账户借用的事实，但判决结果却截然不同，最主要的原因在于微信账户资金是否具备特定化特征、案外人是否对账户资金享有排他控制权。
在案例一中，一方面，该微信账户是刘某以自己手机号注册，微信号是刘某姓名全拼，由刘某实际控制使用。微信账户资金的使用只能由刘某通过输入微信支付密码进行收付款，不需要经张某银行账户授权，也无须输入银行卡支付密码，可以认定刘某对微信账户资金享有排他控制权。另一方面，刘某微信账户资金均系刘某与其朋友间的资金往来，未进入张某银行账户，也没有与张某银行账户发生过任何经济往来，该微信账户资金与刘某具有密切关系而符合了特定化特征。因此该案支持了刘某的诉请。
案例二则显示魏某微信账户中与其原公司客户间存在多笔资金往来，该资金往来是否仍属原公司或老板于某的收益？魏某离开公司后其是否与原公司做了明确切割？对这些问题，魏某并未提供有效证据，无法证明其微信账户资金与原机械公司或老板于某无关，该账户资金不具有特定化特征，法院据此认定魏某对微信账户资金不享有排除执行的权利。
（江苏高院）
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岐字五行属什么？探究岐字的寓意和象征 岐字，由山和人两个部分组成，山代表地势，人代表人的形象。岐字在古代被赋予了深刻的寓意和象征，与五行之间也有密切的关系。在本文中，我们将探究岐字…
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一个自带流量的名字为你省五百倍的广告费。 八宝茶包装设计 云南有个地方叫中甸，听上去是不是一点感觉都没有？如果我告诉你它就是今天得香格里拉你会怀疑这个名字取得不好吗？ 八宝茶包装设…
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莹字作为一个常见的女孩名字，究竟属于五行中的哪一个？与其所蕴含的寓意又有何关联呢？让我们一起来揭开这个谜题，探索莹字名字的深意。 首先，我们需要了解一下五行的基本概念。在中华文化中…
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作者：肖永贺（南昌工程学院副教授） 老，甲骨文字形像一个手里拿着拐杖的老人，《说文解字》注为“言须发变白也”。“须发变白”是岁月沉淀的结果。在这漫长的人生历程中，老年人积累了丰富的…
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