存款保险法律制度研究

【作者】 许敏智；

【导师】 华国庆；

【作者基本信息】 安徽大学 ， 经济法学， 2005， 硕士

【摘要】 存款保险制度首创于20世纪30年代的美国,随后为不少国家所效仿。目前,存款保险制度己成为大多数发达国家金融体系的重要组成部分。作为世界上公认的金融安全网的基本要素之一,存款保险制度的建立,对于维护存款人利益、公众信心以及银行体系安全等具有重要的意义。在我国,银行业面临较大风险,资本充足率不高,资产质量较差,不良资产过多,自有资本金严重不足,违规违法经营现象屡禁不止。与此同时,在银行和存款人之间存在着严重的信息不对称,存款人很难全面了解和掌握银行的经营和财务。这些问题如果不能得到很好解决,那么银行经营稍微不慎,极易因经营失败而破产倒闭,存款人的利益将受到重大损失。在这种情况下,制定存款保险法,建立我国存款保险法律制度,就显得尤为必要。 文章包括引言、正文的三大部分和结论。引言部分主要对我国为何要建立存款保险制度作了简要的界定,从而使文章的内容,所述建立存款保险制度的必要性更加明确,所作的研究和建议更加落到实处。 第一部分“存款保险制度的概述”。首先阐述了存款保险制度的概念及其特征;其次介绍了该制度的起源;最后详细阐述了存款保险制度的功能。 第二部分“我国建立存款保险制度的必要性和可行性”。首先论述了在我国为什么要建立存款保险法律制度;其次论述了在我国现阶段为什么能够建立存款保险法律制度。 第三部分“在我国存款保险法律制度构建的对策建议”。该部分提出了我国存款保险法律制度构建的六项对策建议:(1)制定存款保险法;(2)明确存款保险机构的设立方式、法律地位及职能;(3)明确界定存款保险的方式、对象和标的;(4)合理厘定存款保险的保险费率;(5)明确存款保险当事人的权利义务;(6)依法规制存款保险的道德风险。 结论部分提出在我国建立存款保险制度应注意的问题。即不能盲目依据国外的制度设计,而应当根据我国的国情设计出具有中国特色的存款保险制度。更多还原

【Abstract】 Deposit insurance system was first established by the US in 1930s,and since then, so many countries in the world have adopted it. At present, deposit insurance legal system is the main part of financial system in most developed nations. It is very important to protect depositors’ interest, public confidence and safety of financial system. In China, banks are facing enormous risk, capital is deficiency and illegal phenomena occur. At the same time, it exists information dissymmetry between banks and depositors. So, depositors felt difficult in banking management and finance. If these questions couldn’t be solved, banking failure will injure deposits’ interest. In this condition, it’s necessary to constitute deposit insurance law and set up deposit insurance legal system.Article consists in preface and three parts and conclusion. Preface explain why establish deposit insurance system in China, thereby make the content of the thesis more the content of the paper more definitude, so that suggestion come into true.First chapter of this thesis discusses the basic theory of deposit insurance law system. It illustrates the concept, character and function of deposit insurance system.Second chapter of this thesis analyzes the necessity and feasibility of establishing Chinese deposit insurance system. It illustrates why China must build up the system and why China can build up the system.Third chapter of this thesis draws up the general steps of establishing Chinese deposit insurance system, and attempts to give some suggestions. In this part, the author give six suggestions to setting up deposit insurance legal system: (1) constitute deposit insurance law;(2) stipulate deposit insurance institution’s setup, status and function;(3) stipulate the mode, object of deposit insurance;(4) stipulate insurance’s ratio; Stipulate parties’ rights and obligations;(6) stipulate moral risk.The conclusion advanced the proceeding we must pay attention to. We shouldn’t copy other countries, must set up our own deposit insurance system.更多还原