制定我国存款保险条例若干问题研究

发布时间：2018-05-08 22:04

本文选题：存款保险 + 立法技术　；参考：《广西大学》2013年硕士论文

【摘要】：近年来,关于出台我国存款保险条例的消息不断出现,制定和出台存款保险条例的理论和实际条件已基本成熟。存款保险制度作为金融安全网的重要组成部分,在保护存款人利益、维护金融体系稳定、构建公平有效的市场竞争机制方面,均起到不可替代的作用。虽然我国目前实施隐性的存款保险制度,但随着金融改革的深入,国家信用应当逐渐弱化其在存款保险领域的作用,由独立性质的存款保险机构负责此项制度。在此趋势下,基于存款保险制度的理论研究,结合我国国情,制定并出台完整具体的存款保险条例,意义重大。本文以制定我国存款保险条例中的阻碍因素与域外经验借鉴为切入点,重点探究条例中道德风险防范问题、存款保险机构职能问题,并对条例各部分基本内容做出安排,力求在内容完整、重点突出的前提下,对制定存款保险条例工作有所帮助。本文共分为前言、正文、结语三部分。前言部分从存款保险制度的功能与我国金融改革的趋势引出制定我国制定存款保险条例的必然性和意义。正文部分共分为五章阐述。第一章对制定与出台我国存款保险条例的必要性与阻碍进行阐述。该部分从制度功能和现实意义分析了制定出台条例的必然性,应当将存款保险制度从理论上升到立法,在实践中改进完善,充分发挥制度积极效用。随后从存款保险法律关系出发,论述了各个参与主体的权利义务关系,最后揭示了当前我国制定存款保险条例的最大阻碍原因,即大型国有商业银行发生破产风险概率极低,高保费的中小银行将增加成本,因此应当将防范道德风险作为重点研究问题之一。第二章以加拿大和印度为例,对其存款保险制度的立法路径和内容作了简要的论述和分析,目的在于运用比较分析的方法,厘清不同国情下不同国家做出的立法选择和制度安排。尤其关注了两个国家在解决道德风险与机构设置上的安排。第三章对存款保险条例如何防范和化解存款道德风险进行了阐述。道德风险的防范是制定存款保险条例的核心内容之一,只有通过差别费率制、限额赔付、科学界定承保存款范围,实现充分的信息共享,才能有效的避免道德风险,保持激励与竞争并存的状态。第四章对存款保险机构的模式、职能进行了阐述。通过比较,将存款保险机构模式定位为官方出资设立的存款保险公司,并以保险服务为主要职能,兼具监管职能。第五章对存款保险条例的其他基本条文做出了简要安排,包括条例位阶、立法宗旨、投保金融机构的范围等。结论部分对后续研究进行了展望,并提出了存款保险条例草案
[Abstract]:In recent years, the news about the introduction of deposit insurance regulations in our country appears constantly, and the theoretical and practical conditions for formulating and issuing deposit insurance regulations have basically matured. As an important part of the financial safety net, deposit insurance system plays an irreplaceable role in protecting the interests of depositors, maintaining the stability of the financial system and establishing a fair and effective market competition mechanism. Although the recessive deposit insurance system is being implemented in our country at present, with the deepening of financial reform, the role of national credit in the field of deposit insurance should be gradually weakened, and the independent deposit insurance institution should be in charge of this system. Under this trend, based on the theoretical research of deposit insurance system and combined with the situation of our country, it is of great significance to formulate and issue complete and specific deposit insurance regulations. This paper focuses on the prevention of moral hazard and the functions of deposit insurance institutions, and makes arrangements for the basic contents of the regulations, taking the obstacles in the formulation of China's deposit insurance regulations and the reference of overseas experiences as the starting point, and focusing on the issues of moral hazard prevention and the functions of deposit insurance institutions in the regulations. Strive to complete content, focus on the premise of the establishment of deposit insurance regulations to help. This paper is divided into three parts: preface, text and conclusion. The preface draws the inevitability and significance of formulating deposit insurance regulations from the function of deposit insurance system and the trend of financial reform in China. The text is divided into five chapters. The first chapter expounds the necessity and hindrance of formulating and issuing deposit insurance regulations in China. This part analyzes the inevitability of formulating the regulations from the system function and practical significance, and should raise the deposit insurance system from theory to legislation, improve and perfect it in practice, and give full play to the positive utility of the system. Then from the perspective of the legal relationship of deposit insurance, this paper discusses the relationship between rights and obligations of each participant, and finally reveals the biggest obstacle to the formulation of deposit insurance regulations in our country, that is, the probability of bankruptcy risk of large state-owned commercial banks is extremely low. High-premium small and medium-sized banks will increase costs, so moral hazard prevention should be one of the key research issues. In the second chapter, taking Canada and India as examples, the legislative path and content of deposit insurance system are briefly discussed and analyzed, the purpose of which is to use the method of comparative analysis. Clarify the legislative choices and institutional arrangements made by different countries under different national conditions. Particular attention was paid to the two countries' arrangements for addressing moral hazard and institutional setting. The third chapter expounds how to prevent and resolve the deposit moral hazard. The prevention of moral hazard is one of the core contents of the regulations of deposit insurance. Only through the differential rate system, the limitation of payment, the scientific definition of the scope of insured deposit and the realization of full information sharing, can moral hazard be avoided effectively. Maintain the state of both motivation and competition. The fourth chapter expounds the mode and function of deposit insurance institution. By comparison, the model of deposit insurance institution is defined as the deposit insurance company funded by the government, with insurance service as its main function and supervision as well. Chapter five briefly arranges the other basic provisions of deposit insurance regulations, including the rank of the regulations, the legislative purposes, the scope of insured financial institutions, and so on. In the conclusion part, the future research is prospected, and the deposit insurance bill is proposed.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.284

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