论存款保险人责任履行:制度规范与框架建构  

The Study on the Performance of Insurance Liability of Deposit Insurers: System Norm and Frame Construction

作　　者：马宁[1] 

机构地区：[1]西北政法大学民商法学院,陕西西安710063

出　　处：《河北法学》2013年第2期40-51,共12页Hebei Law Science

基　　金：2010年国家社科基金项目<金融稳定法律保障机制中的存款保险制度正当性及其运行机制研究>(10XFX017);陕西省教育厅2012年科学研究项目计划<保险欺诈防范与保险消费者权益保护>(12JK0006)的阶段性成果

摘　　要：存款保险人仅在保险事故业已发生,投保人等履行了通知协助义务,存款人已提出索赔,且不得停止支付事由后,方会向被保险人履行保险责任。若立法赋予存款保险人越广泛的职权,则其对保险事故内涵的界定越宽泛,反之则较为狭窄。我国存款保险事故内涵可表述为投保金融机构被法院裁定进入破产程序。存款保险人履行保险责任时须遵循最低成本原则,其履行保险责任方式主要包括:给付保险赔偿金、公共资金援助、"好银行"与"坏银行"、购买与承受、设立过渡银行。存款保险人限制其应履行责任的途径主要包括限定存款保险金给付时间、给付数额,以及设定自负额。The deposit insurer will began to fulfill its insurance liability after insurance accident have been happened, policy-holder have fulfill the duty of notice and assist, depositors has put forward the claim, and there is no reason to stop pay. Generally speaking, the more extensive legislation authorizes the powers to deposits, the broader the definition of the connotation of insurance accident is, and on the contrary it will be narrower. Our country deposit insurance accident connotation can be expressed as financial institutions were ruled into bankruptcy procedure by court. Deposit insurer should follow the least possible cost resolution requirement when they perform their insurance liability. The performance way of insurance liability mainly include： Payout; OBA; ＂Good bank＂ and ＂Bad bank＂; P ＆ A; Bridge bank. The method of limiting its insurance liability mainly includes setting time limitation to pay insurance proceeds, payment amount, and setting the deductible.

关 键 词：存款保险 保险责任 保险事故 履行方式 责任限制 

分 类 号：DF438.4[政治法律—经济法学]