【摘要】：以1933年美國出臺《格拉斯-斯蒂格爾法案》為標(biāo)志,全球正式建立了近現(xiàn)代意義上的存款保險(xiǎn)法律制度,作為一項(xiàng)存在并發(fā)展了近百年的制度傳承,在世界各國的金融經(jīng)濟(jì)生活中發(fā)揮著保護(hù)存款人利益、穩(wěn)定金融秩序、發(fā)展社會(huì)經(jīng)濟(jì)等重要作用。2014年的數(shù)據(jù)顯示,全球已有112個(gè)國家建立了存款保險(xiǎn)法律制度。我國從1993年就提出了在國內(nèi)建立顯性存款保險(xiǎn)法律制度的設(shè)想,經(jīng)過20余年的醞釀、調(diào)研和討論,《存款保險(xiǎn)條例》于2015年5月1日頒布實(shí)施。本文正是在此重要文本實(shí)施之際,結(jié)合理論與實(shí)踐、國際與國內(nèi)形勢,對存款保險(xiǎn)法律制度進(jìn)行一些己所能及的學(xué)習(xí)和研究。全文共分為五個(gè)部分。第一章介紹了存款保險(xiǎn)法律制度的概念,通過區(qū)別顯性存款保險(xiǎn)法律制度和隱形存款保險(xiǎn)制度的不同,突出顯性存款保險(xiǎn)法律制度的優(yōu)勢,同時(shí)闡述了其理論基礎(chǔ)、價(jià)值和弊端。第二章分析了存款保險(xiǎn)法律關(guān)系的各因素,認(rèn)為存款保險(xiǎn)合同的性質(zhì)是保證保險(xiǎn),存款保險(xiǎn)機(jī)構(gòu)享有追償權(quán),存款保險(xiǎn)具有公益性質(zhì)。第三章從存款保險(xiǎn)法律制度和銀行業(yè)公平競爭、其他金融保護(hù)制度、利率市場化的關(guān)系入手,闡明顯性存款保險(xiǎn)法律制度的重要性。第四章進(jìn)行了《存款保險(xiǎn)條例》和國際存款保險(xiǎn)法律制度的比較。第五章說明了我國逐步完善顯性存款保險(xiǎn)法律制度過程中還需要注意和處理的幾個(gè)方面的問題。
[Abstract]:Marked by the Glass-Steagall Act issued by the United States in 1933, the legal system of deposit insurance in the modern and modern sense was formally established in the world, as a system heritage that existed and developed for nearly a hundred years. In the world financial and economic life plays an important role in protecting the interests of depositors, stabilizing financial order and developing social economy. Data in 2014 show that 112 countries have established deposit insurance legal system. China has put forward the idea of establishing a legal system of explicit deposit insurance in China since 1993. After more than 20 years of brewing, investigation and discussion, the Deposit Insurance regulations were promulgated and implemented on May 1, 2015. At the time of the implementation of this important text, combined with the theory and practice, the international and domestic situation, the legal system of deposit insurance has been studied and studied as far as it can. The full text is divided into five parts. The first chapter introduces the concept of the legal system of deposit insurance. By distinguishing the legal system of explicit deposit insurance from the system of invisible deposit insurance, it highlights the advantages of the legal system of explicit deposit insurance, and expounds its theoretical basis. Value and malpractice. The second chapter analyzes the various factors of the legal relationship of deposit insurance, thinks that the nature of deposit insurance contract is guarantee insurance, deposit insurance institutions enjoy the right of recourse, deposit insurance has the nature of public interest. The third chapter starts with the legal system of deposit insurance and the fair competition of banking, other financial protection systems and the marketization of interest rate, and expounds the importance of the legal system of explicit deposit insurance. Chapter four compares the rules of Deposit Insurance with the legal system of International Deposit Insurance. The fifth chapter explains the problems that should be paid attention to and dealt with in the process of perfecting the legal system of explicit deposit insurance in China.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D922.284

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