我国银行存款保险制度的法律思考

发布时间：2018-03-23 04:07

本文选题：银行存款保险　切入点：制度构建　出处：《吉林财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：自我国实行改革开放政策以来,市场经济得到了深入的发展,经济形势发生了深刻变化,金融体系日趋完善,人们的固有经济观念发生了变化,我国对银行存款保险制度的认识也得到了深化。近年来,银行存款保险制度引起社会各界的广泛关注和讨论。对于我国银行存款保险制度建设,不同领域和不同社会阶层还有着不少分歧和争议,但是不容否认的是,银行存款保险制度作为国家经济调控的重要领域的重要环节,关乎市场经济发展和人民生活稳定,对经济社会的全面发展起着重要的保障作用,这种作用在经济管控中不能忽视替代。党的十八届三中全会将建立我国存款保险制度,作为下一步继续深化改革的重点,如何建立起一个科学完善、符合国情世情发展的银行存款保险制度,构筑一个稳定的管理体系,让银行存款保险制度发挥最大的经济效益和社会效能,如何在探索和实践我国银行存款保险制度过程中突出法律的作用,使之在法律体系内有效运行、发展,这些都是我们构建有中国特色的银行存款保险制度、建设社会主义法治国家的应有思考和题中之义。本文共分为五个部分,第一部分为引言,通过介绍研究背景、现状、目的、意义、方法及文章架构和创新之处,让读者对本文有整体性的认识。第二部分介绍了银行存款保险制度的历史发展、内容及影响等基础性问题,目的是梳理我国银行存款保险制度的基本脉络,为以后进行银行存款保险制度的进一步理解和把握准备前置性条件。存款保险制度在我国有其概念表达和特征体现,对我国建立存款保险制度会有积极的效果及影响,对其评价及论证关系到这一制度加以完善和提升。第三部分着重介绍典型国家存款保险制度的发展情况,通过比较分析,从中为我国存款保险制度的完善寻找证成依据和基本路径。第四部分从人们的基本认识出发,重点思考中国特色存款保险法律制度构建的关键点。中国特色的存款保险法律制度构建有现实需要和必要,因而这一法律制度我们可以从其形式结构上进行预期设计。2015年出台的《存款保险条例》明晰了我国存款保险制度的构建,有很大影响和推动,但从法律制度上还要继续加快相关法律法规建立进度,积累相关领域司法工作经验,履行相关部门监督管理职能。
[Abstract]:Since the implementation of the reform and opening policy in China, the market economy has been developed in depth, the economic situation has undergone profound changes, the financial system has become increasingly perfect, and people's inherent economic concepts have changed. In recent years, the bank deposit insurance system has aroused widespread concern and discussion from all walks of life. There are still many differences and controversies in different fields and different social strata, but there is no denying that the bank deposit insurance system, as an important part of the country's economic regulation and control, is related to the development of the market economy and the stability of the people's life. It plays an important role in safeguarding the overall development of the economy and society, and cannot be ignored as a substitute in economic control. The third Plenary session of the 18th CPC Central Committee will set up a deposit insurance system in our country, as the key point of further deepening the reform in the next step. How to establish a scientific and perfect bank deposit insurance system, which is in line with the development of the national conditions, and how to build a stable management system so that the bank deposit insurance system can exert the maximum economic benefits and social efficiency. How to give prominence to the role of law in the process of exploring and practicing the system of bank deposit insurance in our country, so as to make it operate and develop effectively within the legal system, these are all the ways to construct the system of bank deposit insurance with Chinese characteristics. This paper is divided into five parts, the first part is the introduction, through the introduction of the research background, current situation, purpose, significance, method, structure and innovation of the article, this paper is divided into five parts: the background, the present situation, the purpose, the significance, the method, the structure and the innovation of the article. The second part introduces the historical development, content and influence of the bank deposit insurance system, the purpose of which is to sort out the basic context of the bank deposit insurance system in China. In order to further understand and grasp the precondition of the bank deposit insurance system in the future, the deposit insurance system has its concept expression and characteristic expression in our country, which will have positive effect and influence on the establishment of deposit insurance system in our country. The third part mainly introduces the development of deposit insurance system in typical countries. The fourth part is based on people's basic understanding. The key points for the construction of the legal system of deposit insurance with Chinese characteristics are mainly considered, and the construction of the legal system of deposit insurance with Chinese characteristics is necessary and necessary. Therefore, we can design this legal system from its formal structure. The "Deposit Insurance regulations" issued in 2015 have made clear the construction of the deposit insurance system in our country, which has a great impact and promotion. However, in terms of legal system, we should continue to speed up the establishment of relevant laws and regulations, accumulate experience in judicial work in related fields, and perform the functions of supervision and management of relevant departments.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

【相似文献】