我国存款保险机构破产优先受偿权重构  

Reconstruction of the Bankruptcy Priority of China's Deposit Insurance Institutions

作　　者：王茜 WANG Xi

机构地区：[1]华东政法大学经济法学院,上海长宁200042

出　　处：《吉林金融研究》2023年第12期45-53,72,共10页Journal of Jilin Financial Research

摘　　要：我国《存款保险条例》赋予存款保险机构收取存款保险基金并向存款人偿付,在偿付金额范围内取得该存款人对投保机构相同清偿顺序的债权的权利。代位求偿权是优先受偿权的权利基础,优先受偿权是代位求偿权在破产程序中的转化体现。投保银行资不抵债以至进入破产程序是存款保险触发事故,优先受偿权的体系化重构具有现实意义。存保机构是存款保险制度运行的核心,明确存保机构的权利内容是实现存款保险功能的基本保障,法律规定过于原则化,不利于实践操作。本文将从存款保险关系本质出发,探求存保机构代位求偿权的合理性,打通存款人请求权、代位求偿权和优先受偿权间的权利关系,结合金融法与破产法基础理论,重构我国存保机构破产受偿优先权。China's Deposit Insurance Regulations give the deposit insurance organization the right to collect the deposit insurance fund and reimburse the depositors,and within the scope of the reimbursement amount,to obtain the depositors'claims against the insured organization in the same order of liquidation.The right of subrogation is the right basis of the right of priority,and the priority right of compensation is the transformed embodiment of the right of subrogation in the bankruptcy procedure.Insured bank insolvency to bankruptcy procedure is the deposit insurance trigger accident,it is of practical significance to systematically reconstruct the priority right of compensation.This paper will start from the essence of deposit insurance relationship,explore the rationality of the subrogation right of deposit insurance institutions,clear the right relationship between the depositor's right of request,subrogation right and priority right of compensation,combined with the basic theories of financial law and bankruptcy law to reconstruct the priority right of the bankruptcy of China's deposit insurance institutions.

关 键 词：存款保险 代位追偿权 优先受偿权 

分 类 号：DF438.1[政治法律—经济法学]