《有效存款保险制度核心原则》研究及其立法借鉴  

Research on Key Principle of Effective Deposit Insurance System and Implication for Legislation

作　　者：沈洪[1] 

机构地区：[1]中国人民银行商洛市中心支行,陕西商洛726000

出　　处：《西部金融》2010年第11期22-23,共2页West China Finance

摘　　要：侧重于银行产生问题后的处理(银行破产处置),具有保护性事后监管功能的存款保险制度,在保护存款人利益、增强公众对银行体系的信心、维护金融秩序等方面的价值已被国际社会普遍接受。本文以我国存款保险立法进程中需要处理的若干问题为视角,以《有效存款保险制度核心原则》中明示立法的原则建议条款为线索,从我国建立存款保险制度的政策目标设定、存款保险机构在金融安全网中的定位以及现行法律和制度的完善等三个方面提出具体的意见和建议。The deposit insurance system focuses on the handling of the problem banks,i.e.the management of bankrupt banks,and functions in ex post protection.Its role has been widely accepted by the international society in the protection of depositor＇s interest,the enhancement of public confidence on banking system,and the maintenance of financial order.In addition to the problems in the legislation of the deposit insurance system,this paper highlights the terms in Key Principle of Effective Deposit Insurance System.It also gives suggestions in three aspects to advance legislation in China,such as identifying the goals of the deposit insurance system,positioning the deposit insurance institutions in the financial safety network,and improving the current laws and regulations.

关 键 词：金融安全 存款保险 核心原则 

分 类 号：F830.1[经济管理—金融学]