存款保险制度及其在中国的适用性研究

【作者】 严玉皎；

【导师】 张梓太；

【作者基本信息】 复旦大学 ， 法律， 2009， 硕士

【摘要】 经济全球化与自由化所带来的金融全球化在世界范围内产生了巨大的冲击,为防范与保障金融市场的安全,各国致力于金融法制化的建设和相互间的合作与借鉴;现代金融法的立法与改革以发达国家为先驱,更贴近于市场,更侧重于金融市场的稳定与风险的防范。在维护金融体系稳定的过程中,各国的通行做法是建立存款保险制度,存款保险制度与最后贷款人制度、审慎的银行监管制度一起构成了一国的金融安全网。随着我国金融体制改革的进行,大量股份制商业银行的兴起,金融市场的竞争加剧,银行的破产在市场化的背景下可能会成为现实,而我国长期以来的政府隐性担保制度既加重了政府的负担,又不利于金融市场的发展与稳定,为此,我国亟需建立显性的存款保险制度,以维护金融体系的稳定、保护存款人的利益。本文从存款保险制度的理论出发,通过比较分析具有代表性的各经济体的存款保险制度,对建立符合我国国情的存款保险制度提出了构想。第一章主要论述了存款保险制度的基本理论,包括存款保险制度的基本概念、历史发展、理论基础、类型、存在的问题等,还对存款保险制度的法律关系进行了分析。第二章主要介绍了美国、德国、日本、台湾地区的存款保险制度,通过对各经济体存款保险制度的历史沿革的介绍,分析了各经济体存款保险制度的显著特征。第三章对建立符合我国国情的存款保险制度进行了构想,通过对我国现阶段存在的以政府担保为特征的隐性存款保险制度进行利弊分析,提出建立显性存款保险制度的必要性与可行性,最后对建立符合我国国情的存款保险制度提出制度构想,从存款保险制度的设立方式、承保标的、保险额度、存款保险机构的职能设置、保险费率的设定等方面进行了阐述。更多还原

【Abstract】 Financial globalization in the world have had a tremendous impact in the world, in order to prevent and protect the safety of financial markets, the developed countries emphasis on inter-building and cooperation and learn from each other; the developed countries make modern financial law reform legislation, which closer to the market, more emphasis on the stability of financial markets and risk prevention. In order to maintaining stability of the financial system, the common practice of all countries is to establish a deposit insurance system, deposit insurance system , the lender of last resort system, the system of prudential supervision of banks together constitute a country’s financial safety net.With the development of the financial system, a large number of the emergence of joint-stock commercial banks, bank insolvency may become a reality, but our government has as a long hidden security system for a long time ,which will increase the burden of government the financial markets but also conducive to the development and stability of the financial market. In order to protect the stability of the financial system and to protect the interests of depositors, China need to establish the explicit deposit insurance system urgently. This article proceeds with the basic theory of the deposit insurance system, through comparative analysis of the deposit insurance system from different economies, the author analyze the necessity and the possibility of establishing a Deposit Insurance System in China.Chapter one focuses on basic theory of the deposit insurance system, including the basic concepts, historical development, theoretical basis, the types of problems, and the legal relations of the deposit insurance system.Chapter two introduce the United States, Germany, Japan, Taiwan’s Deposit Insurance System, analyze the history, summarizes the common experience of the deposit insurance system in these countries and areas.Chapter three is about the establishment of deposit insurance system in China ,this part analyze necessity and possibility of the establishment. Then the author give some suggestion, including the deposit insurance organization and function orientation, the deposit insurance coverage and so on.更多还原