我国存款保险制度构建研究

发布时间：2018-03-10 13:29

本文选题：存款保险制度　切入点：金融机构破产　出处：《北京交通大学》2009年硕士论文　论文类型：学位论文

【摘要】： 存款保险制度,是一个国家为了保护存款人的利益和维护金融秩序的稳定,通过法律形式建立的一种在银行因意外事故破产时进行债务清偿的制度。简言之,就是由各家存款性金融机构交纳保费,一旦投保机构面临危机或破产,就由这家保险机构为存款人支付一定限度的存款。我国的金融监管体系并不完善,我国目前政府埋单的隐性存款保险制度存在诸多弊端,因此建立显性的存款保险制度已迫在眉睫。针对这个问题,本文从四个方面来阐述: 第一章为引言。当前全球的经济危机和金融一体化以及世界金融法制的统一,我国有必要借鉴外国的经验和教训,并结合我国的实际和当前的金融形势,加快建立起我国的存款保险制度,以保障存款人利益、维护金融稳定。第二章是存款保险制度的理论分析。本章介绍了存款保险制度的概念及其发展的脉络,并分析存款保险制度的特征以及存款保险制度建立的理论基础。在这些基础性介绍外,进一步分析了存款保险制度利弊和遏制其负面效益的措施。第三章是境外存款保险法律制度的运行与比较分析。对《存款保险指南》和美国、德国、日本的存款保险典型制度行分析,通过对他们立法介绍,并进行经验总结,为我国存款保险制度的建立提供借鉴。第四章说明构建我国存款保险制度的必要性。立足于我国建立存款保险制度立法现状,剖析了我国目前隐性存款保险制度的弊端,提出构建我国存款保险制度的必要性及现实基础。第五章构建我国存款保险制度的设想。结合当前全球金融危机情势下,提出我国存款保险制度构建基本要求,再进一步阐述了我国应如何构建适合我国发展的存款保险制度及应该完善的其他配套措施。
[Abstract]:Deposit insurance system is a kind of system established by law in order to protect the interests of depositors and maintain the stability of financial order. That is, each depository financial institution pays the premium. Once the insured institution is faced with a crisis or goes bankrupt, the insurance institution will pay a certain amount of deposits for the depositor. Our financial regulatory system is not perfect. There are many disadvantages in the implicit deposit insurance system, so it is urgent to establish a dominant deposit insurance system. In view of this problem, this paper expounds from four aspects:. The first chapter is the introduction. With the current global economic crisis and financial integration, as well as the unification of the world financial legal system, it is necessary for China to learn from the experience and lessons of foreign countries and to combine the actual and current financial situation of our country. Accelerate the establishment of China's deposit insurance system to protect the interests of depositors and maintain financial stability. The second chapter is the theoretical analysis of deposit insurance system. This chapter introduces the concept of deposit insurance system and its development, and analyzes the characteristics of deposit insurance system and the theoretical basis for the establishment of deposit insurance system. This paper further analyzes the advantages and disadvantages of deposit insurance system and measures to curb its negative benefits. The third chapter is the operation and comparative analysis of the legal system of overseas deposit insurance. It analyzes the typical deposit insurance system of the United States, Germany and Japan, introduces their legislation, and sums up their experiences by analyzing the "Guide to Deposit Insurance" and the typical deposit insurance system of the United States, Germany and Japan. To provide reference for the establishment of deposit insurance system in China. Chapter 4th explains the necessity of constructing the deposit insurance system in China. Based on the present legislative situation of establishing the deposit insurance system in China, it analyzes the malpractice of the recessive deposit insurance system in our country. This paper puts forward the necessity and realistic basis of constructing deposit insurance system in China. Chapter 5th proposes to construct the deposit insurance system of our country, combining with the current global financial crisis, puts forward the basic requirements of the construction of the deposit insurance system of our country. Furthermore, this paper expounds how to construct the deposit insurance system suitable for the development of our country and other supporting measures which should be perfected.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2009
【分类号】：F832.1

【引证文献】