论我国存款保险法律制度的设计

发布时间：2018-01-30 13:32

本文关键词： 存款保险法律制度设计国际借鉴　出处：《贵州大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着我国改革开放的不断加深,特别是金融领域的纵深发展,我国银行业金融机构亦不断加深对外开放的程度。为了保障我国银行业金融系统的稳定,建立存款保险法律制度,已经提上了我国立法的日程。2014年11月30日,国务院法制办公布了由中国人民银行起草的《存款保险条例(征求意见稿)》。12015年3月31日,国务院公布了国务院令第660号《存款保险条例》2,该条例自2015年5月1日起正式施行。这意味着经过21年的酝酿与权衡,我国银行业金融机构终于建立了存款保险制度。本文通过对世界上存款保险法律制度发展相对成熟的美国、德国、日本和台湾地区存款保险法律制度进行分析以及对我国国情的深入研究,总结出在我国应当建立存款保险法律制度。存款保险法律制度的预期价值能否实现,仅仅靠单纯的法律移植是远远不够的,还必须考虑到我国的传统观念和现有资源。除了要对国外存款保险法律制度的成熟经验进行借鉴外,还需要充分结合我国本土的实际国情,分析存款保险法律制度的最基本理论与制度框架构成,只有这样才能整合出符合我国国情的存款保险法律制度。为此,本文第一部分首先介绍了美国两次大的金融危机引发了全球性的经济危机,在这过程中存款保险制度对化解金融危机作出了积极的贡献,并指出存款保险是我国金融与保险制度的创新。第二部分紧接着论证在我国实施存款保险法律制度的必要性。第三部分重点介绍美国存款保险法律制度产生的背景、组织构成和发展演变,综合德国、日本和台湾地区存款保险的不同特点,来简要概括存款保险法律制度产生的背景、基本构成、发展变化过程以及对我国的重要启示。最后部分则根据笔者的研究与国务院公布的《存款保险条例》,提出笔者对建立我国存款保险法律制度的最佳构想。
[Abstract]:With the deepening of China's reform and opening up, especially the in-depth development of the financial field, China's banking financial institutions are also deepening the degree of opening to the outside world, in order to ensure the stability of our banking financial system. The establishment of deposit insurance legal system has been put on the agenda of our legislation. November 30th 2014. The legal Office of the State Council promulgated the regulations on Deposit Insurance (draft for opinions), drafted by the people's Bank of China, on March 31st, 2015. The State Council has promulgated decree No. 660 of the State Council on Deposit Insurance Regulation No. 2, which has been in force since May 1st 2015. This means that after 21 years of deliberation and weighing. China's banking financial institutions have finally established a deposit insurance system. This article through the development of the world's deposit insurance legal system is relatively mature in the United States, Germany. Japan and Taiwan area deposit insurance legal system to carry on the analysis and the thorough research to our country's national condition, summarized should establish the deposit insurance legal system in our country, the deposit insurance legal system can realize the anticipated value. It is far from enough to rely solely on the transplantation of laws. We must also take into account the traditional concepts and existing resources of our country, in addition to the mature experience of the foreign deposit insurance legal system. It is also necessary to fully combine the actual situation of our country and analyze the most basic theory and institutional framework of the deposit insurance legal system. Only in this way can we integrate the deposit insurance legal system in line with the national conditions of our country. The first part of this paper first introduces the two major financial crises in the United States triggered a global economic crisis, in the process of deposit insurance system to resolve the financial crisis made a positive contribution. It also points out that deposit insurance is the innovation of our country's financial and insurance system. The second part then demonstrates the necessity of implementing the deposit insurance legal system in China. The third part mainly introduces the background of the American deposit insurance legal system. King. The organizational structure and the development and evolution, synthesizing the different characteristics of deposit insurance in Germany, Japan and Taiwan, briefly summarizes the background and basic composition of the legal system of deposit insurance. Finally, according to the author's research and the "Deposit Insurance regulations" promulgated by the State Council, the author puts forward the best idea of establishing the legal system of deposit insurance in China.
【学位授予单位】：贵州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

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