金融法（双语）第三章_商业银行法律制度教材教学课件.ppt

第三章 商业银行法律制度 二、 商业银行的组织机构 3.案例 Cameron Financial Corp. v. Board of Governors of the Federal Reserve System Court’s reasoning- (1)It is necessary to consider the context of legislation when we define the meaning of subsidiary. (2)The purpose of legislation is to realize full-supervision of bank holding companies. There is OCCs supervision when plaintiff keep accessorial national bank operating courier activities. But plaintiff have shiftted courier activities to the courier company now.If plaintiff can still claim grandfater privileges, there will be no supervision. (3)To prevent original regulated business from evade regulation by shiftting business to nonbanking subsidiary, is a persuasive reason for refusing to grant grandfather privileges. Therefore, to define “subsidiary as nonbanking subsidiary serve the purpose of amendment of 1970. 第三章 商业银行法律制度 二、 商业银行的组织机构 3.案例 Cameron Financial Corp. v. Board of Governors of the Federal Reserve System Conclusion- In sum, since we agree with the Board that subsidiary does not refer to a banking subsidiary, plaintiffs courier activities are not entitled to grandfather privileges under that section. Accordingly, plaintiffs petition for review will be denied. 第三章 商业银行法律制度 三、存款法律制度 1. 中国商业银行的存款业务 法律依据：无统一的存款管理法 存款业务经营许可制：银监会许可商业银行、城乡信用合作社以及邮政储蓄机构吸收公众存款 保护存款人利益： 对个人存款人的保护 对单位存款人的保护 利率管制 存款准备金和备付金 保证存款本金和利息的支付 银监会接管的情况 承担民事责任 第三章 商业银行法律制度 三、存款法律制度 2. 美国商业银行（American Commercial Banks）的存款业务 Legal basis: Federal Deposit Insurance Act Non-interest income liberalization of Commercial Bank rate Deposit Insurance System:Federal Deposit Insurance Company (1)range:current deposit;fixed deposit;savings deposit (2)highest liquidation:$ 100,000 (3)regulatory powers 第三章 商业银行法律制度 三、存款法律制度 3. 案例 Video Trax, Inc. v. NationsBank, N.A. Facts- (1)Defendant is a nationally chartered banking institution, organized and existing under the laws of the United States. Plaintiff is a corporat