我国存款保险制度若干问题初探——以我国存款保险制度的存款人权益保护为视角

发布时间：2018-07-05 03:21

本文选题：存款保险 + 现行制度　；参考：《学术交流》2016年08期

【摘要】：存款人权益保护是基于金融市场风化的法律应对,也是存款保险制度的核心制度。存款保险制度隐性存款保险向显性存款保险转变,既是金融风险治理法治化,也是存款人利益权利化的过程。在存款保险制度构建中,应当坚持存款人权益保护的理念,在规则设计上也应予以贯彻和体现。我国现行存款保险制度虽然注重存款人权益保护的探索,尤其是中小存款人的权益,但与国外立法存款人权益保护尚存差距,需要围绕存款人权益保护展开构建。立法的考量上,需要坚持存款人权益本位,引进特别处置制度,并通过行政解释路径完善存款保险基金机构等制度缺陷,从而更好地促进金融稳定和发展。
[Abstract]:The protection of depositors' rights and interests is a legal response based on the weathering of the financial market and the core system of deposit insurance system. The transformation from recessive deposit insurance to explicit deposit insurance in deposit insurance system is not only the legalization of financial risk management, but also the process of depositor's interest right. In the construction of deposit insurance system, the idea of protecting depositors' rights and interests should be adhered to, and the design of rules should be carried out and embodied. Although China's current deposit insurance system pays attention to the exploration of the protection of depositors' rights and interests, especially the rights and interests of small and medium-sized depositors, it needs to be constructed around the protection of depositors' rights and interests because of the gap between the protection of depositors' rights and interests and that of foreign legislation. In order to promote financial stability and development, it is necessary to insist on depositor's rights and interests standard, introduce special disposal system and perfect deposit insurance fund institution through administrative explanation.
【作者单位】：中国政法大学民商经济法学院;广西现代法学研究院;
【分类号】：D922.284

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