论我国商业银行存款保险制度建立

二、存款保险制度的模式·············································4

（一）存款保险制度模式的含义·······································4

（二）存款保险制度模式的种类·······································5

1、政府存款保险模式············································5

2、非官方存款保险模式··········································6

3、两种存款保险模式的关系······································6

（三）影响存款保险制度模式的因素···································6

1、己经建立的金融安全网框架····································7

2、存款保险公众意识············································7

3、金融体系的实际运作情况······································8三、国外存款保险法律制度及其经验借鉴································8

（一）存款保险制度的目标与授权····································18 

（二）存款保险机构的组织模式·······································9 

（三）存款保险机构的成员与资格管理·································9 

（四）存款保险的保险限额·········································10 

（五）存款保险的保险基金·········································10 

（六）存款保险的保险费率··········································11四、 我国建立存款保险制度的必要性··································11 

（一）建立存款保险制度有利于降低金融风险，防止挤兑发生及危机扩散··11 

（二）建立存款保险制度有利于保护存款人的利益······················12 

（三） 建立存款保险制度有利于多元化的银行竞争·····················13 

（四）建立存款保险制度有利于健全银行市场退出机制·················13 

（五）我国建立存款保险制度的可行性·······························141我国具有逐步稳定的银行体系 ··································14

2.我国具有谨慎有效的银行监管····································14 3.我国政府提供充分的财力支持 ···································15

五、我国存款保险法律制度的基本构建·································15 

（一）存款保险机构的职能定位······································15 

1.计收保费职能 ················································16 

2.存款赔付职能 ················································16 

3.危机救助职能 ················································16 

4.破产处置职能 ················································16 

（二）中国存款保险机构的组织框架·································16 

（三）存款保险的覆盖范围·········································17 

（四）存款保险的保险限额和保险费率·······························17 

1.存款保险限额 ················································17 

2.存款保险费率 ················································18 

（五）存款保险机构的资金来源······································18 

参考文献··························································19                                                             摘要 

存款保险制度是针对银行出现兑付危机或濒临破产时，对存款人采取及时有效的方法予以保护的制度。文章通过宾州银行破产案，从中寻找发现所反映出的法律问题并提出解决方案。之后介绍存款保险制度的基本理论，探讨了存款保险制度的概念以及存款保险的经济学、法学理论基础，论述了存款保险法律关系。在此基础上文章通过比较国外存款保险制度得出启示，这给我国建立存款保险法律制度提供了方向指引。于此同时，谈论到我国存款保险制度的现状与弊端，并强调我国建立与完善存款保险制度的必要性。最终，从立法角度和具体内容设计上给出完善建议。在我国建立存款保险制度，务必在充分借鉴国际经验的基础上，紧密结合我国实际状况。关键词：存款保险制度；银行破产；存款人利益保护