显性存款保险法律制度研究
发布时间：2018-08-06 18:05
【摘要】：以1933年美国出台《格拉斯-斯蒂格尔法案》为标志,全球正式建立了近现代意义上的存款保险法律制度,作为一项存在并发展了近百年的制度传承,在世界各国的金融经济生活中发挥着保护存款人利益、稳定金融秩序、发展社会经济等重要作用。2014年的数据显示,全球已有112个国家建立了存款保险法律制度。我国从1993年就提出了在国内建立显性存款保险法律制度的设想,经过20余年的酝酿、调研和讨论,《存款保险条例》于2015年5月1日颁布实施。本文正是在此重要文本实施之际,结合理论与实践、国际与国内形势,对存款保险法律制度进行一些己所能及的学习和研究。全文共分为五个部分。第一章介绍了存款保险法律制度的概念,通过区别显性存款保险法律制度和隐形存款保险制度的不同,突出显性存款保险法律制度的优势,同时阐述了其理论基础、价值和弊端。第二章分析了存款保险法律关系的各因素,认为存款保险合同的性质是保证保险,存款保险机构享有追偿权,存款保险具有公益性质。第三章从存款保险法律制度和银行业公平竞争、其他金融保护制度、利率市场化的关系入手,阐明显性存款保险法律制度的重要性。第四章进行了《存款保险条例》和国际存款保险法律制度的比较。第五章说明了我国逐步完善显性存款保险法律制度过程中还需要注意和处理的几个方面的问题。
[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.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284
本文编号：2168551
[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.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284
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