江西财经大学学报 ›› 2014, Vol. 0 ›› Issue (02): 573-.

• • 上一篇    

从衡平机制与比较研究构建中国的存款保险法律制度

孙艳军1,李家军2   

  1. (1. 北京大学 光华管理学院,北京 100871;2. 最高人民法院,北京 100745)
  • 发布日期:2021-01-21
  • 作者简介:孙艳军,北京大学教师,博士,主要从事金融法研究,联系方式weimen5746@sina.com;李家军,最高人民法院法官,博士,中国政法大学博士后研究人员,主要从事民商法研究。

On the Construction of China’s Deposit Insurance Legal System from the Perspective of Equitable Mechanism and Comparative Studies

SUN Yan-jun, LI Jia-jun   

  1. (Beijing University, Beijing 100871; Supreme People’s Court of PRC, Beijing 100745, China)
  • Published:2021-01-21

摘要: 存款保险法律制度作为现代金融安全网的重要组成部分,该制度诞生之后在全球得以迅速发展。现在国际上公认将存款保险法律制度与央行的最后贷款人职能及其金融审慎监管制度视为维护金融稳定的三大支柱,共同组成银行系统的“安全网”。存款保险法律制度对于维护金融业的安全与稳定,保护存款人的利益,促进银行业的公平竞争,具有重大的价值。中国存款保险法律制度的构建,是中国市场经济发展的必然选择,也是中国银行业结构市场化改革的一项重要制度。

关键词: 金融,存款保险,法律制度

Abstract: The deposit insurance legal system can act as an important part of the modern financial safety net. Since the birth of this system, it has been developing rapidly all over the world. Now it is internationally recognized to regard the deposit insurance legal system, the function of the central bank’s lender of last resort and the financial prudential supervision system as the three pillars maintaining financial stability, together establishing a “safety net” for banking system. The deposit insurance legal system has great value in maintaining the security and stability of the financial sector, protecting the interests of depositors, and promoting fair competition in the banking sector. The establishment of China’s deposit insurance legal system is not only an inevitable choice for the development of China’s market economy, but also an important system for the market-oriented structure reform of China’s banking industry.

Key words: finance; deposit insurance; legal system