商业银行存款保险制度的研究.doc

摘  要  目前我国正在酝酿建立存款保险制度，存款保险立法呼之欲出， 而目前我国法学理论界对存款保险的理论研究很少，因此研究存款 保险制度，探求存款保险的性质以及该制度建立的理论基础和制度 基础，论证存款保险制度存在的价值，以此指导我国立法实践具有 十分重要的理论意义和现实价值。 目前国内外的研究主要集中在对存款保险制度的价值、存在的 不足以及如何扬长避短，合理建构一个国家的存款保险制度的研究 之上。本文的研究工作主要包括以下几个方面：从法学的角度分析 存款保险的性质，通过论证存款保险与商业保险、社会保险、债权 保证的区别来进一步阐明存款保险的性质；论述存款保险制度建立 的理论基础和制度基础；分析存款保险制度的价值以及其面临的挑 战，最后在上述论证的基础上结合其他国家存款保险的立法实践， 总结并汲取经验教训，提出建立我国存款保险制度的具体立法建议。 关键词：商业银行 存款保险 立法建议 Abstract Our country hatch to establish deposit insurance system, the insurance lawmaking seem ready to come out, but now in our country there is little theoretical research on the deposit insurance in law science, so studying the deposit insurance system, seeking the nature and theoretical foundation and system foundation of this system, proving the value that the deposit insurance system has, so as to instruct the legislative practice of our country have very important theory meaning and realistic value. The current domestic and international research concentrates primarily on the value, existent shortage of the system and how to maximize favorable factors and minimize unfavorable ones, and ho to set up deposit insurance system in a country rationally. The research work of this text mainly includes the following several respect: analyze the nature of the deposit insurance in terms of law science, through describing the difference between deposit insurance and business insurance, between deposit insurance and social insurance, between deposit insurance and creditors rights guarantee then clarify the nature of the deposit insurance; Describe theoretical foundation and system foundation of the deposit insurance system; Analyze the value and its challenge of the deposit insurance; At last I will combine other country legislative practice, at the foundation above-mentioned, summarize and draw the experience and lessons, propose my concrete legislative suggestion of setting up the deposit insurance system in our country. Keywords: Commercial Bank；Deposit Insurance；Legislativ