金融法（双语版）第三章商业银行法律制度2.ppt

第三章 商业银行法律制度 三、存款法律制度 四、贷款法律制度 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 corporation organized under the laws of the State of Florida. (2)On June 10, 1992, Plaintiff opened a Simple Analysis Business Checking account at NCNB National Bank of Florida, N.A., Defendants predecessor. The obligations of the parties were governed by the signature cards, deposit agreements, and schedules of fees in effect from the inception of the account until the account was terminated on February 18, 1997. (3)Throughout the history of the parties banking relationship, several checks were presented for payment against Plaintiffs account when the account contained insufficient funds to cover the checks. According to Defendants schedule of fees, a flat, per item fee was charged against Plaintiffs account whether the check was honored or returned. 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. Parties’s contentions- (1)Plantiff’s：Plaintiff alleges that the Overdraft Item Fee (the “OD fee”) on checking accounts charged by Defendant, a national banking association, was actually a subterfuge to exact a usurious rate of interest in violation of the Bank Act. (2)Defendant’s: Defendant avers that the OD fee was an administrative cost to cover the processing of checks drawn in excess