白玉微瑕简析欧盟1994年存款保险制度.pdfVIP

NO.l 白;五微瑕:简忻欧盟 1994 年存款保险制度 口慧琳琳 (华东政法大学研究生教育院上海 200042) Abstract: Through protecting ordinary retail depositors effectively, deposit insurance syste盯lS contribute greatly to the stability of an economys fmancia1 system. Coverage level. co-insurance provision and payout arrangement are three issues that ordinary depositors care most. Comparing to depositor insuranωschemes in the United States and Canada from these three aspects. the European Union in general provided far less protection to ordinary: retáil depositors under the Directive 94/ 19/EC on Deposit Guarantee Schemes. Keywords: deposit insurance. deposit insurance system. coverage level. co-insuranc巳. payout limit A Jadestone with Flaws: Analysis of European Unions Deposit Guar- atlOns 也at use banks as a utensil to deal wi也伽eir persoñal and corpor创e af- antee Schemes Directive 94/191EC fairs as an important sourωoffinance.16 DeYoung and Rice have proved 摘要:通过有效保护普通存款者，存款保险制度能够极大地维护一 this reliance by specific data, about 57 per cent of世1e bru业ing indus町，s as唰 个因家金融体系的稳定。对于存款保险制度，保险额度、部分保险条款 sets, and 82 per cent of the typical banking companys assets,were financed 和赔付期限时普通存款者最关心的二三个问题。在这三点上，与美国和加 with deposits in 2003. 17 拿大的存款保险制度相比，欧盟 1994 年将款保险制度并没有为普通存 But the relationship ofbank and customer is that of debtor and creditor, 款者提供足够的保护。 not that of trustee and beneficiary as many of us supposed. 18 The Lord 关键词:存款保险，蒋款保险制度，保险额度，部分保险，赔付期限