存款保险基金管理机构设立模式探讨

Research on Establishing Mode of Deposit Insurance Fund Management Institution

万众期待的《存款保险条例》已于今年5月1号起实施,这一条例被视为中国金融法学界有着里程碑意义的法律文件。它标志着我国隐性银行保险的结束以及显性银行保险的开始。关注此法律重大意义的同时,着手研究新法律带来的制度上的改变也显得迫在眉睫。尤其是我国新颁布的《存款保险条例》中对于存款保险基金管理机构的设立模式并未明确规定,而这一机构在存款保险法律关系中又处于核心地位,故对其设立模式的探究有利于进一步促进我国存款保险制度的发展和完善,也对存款保险基金管理机构的规制大有裨益。由于国内涉及此方面的研究早已有之,但专门研究和探讨的却少之又少,所以通过各国模式的探讨,希望对我国金融法学的发展做微薄贡献。

＂Deposit Insurance Regulations＂ has been taken effect since May 1st, 2015 and is regarded as the landmark of China＇s financial law. It signals the end of recessive deposit insurance as well as the beginning of the dominant deposit insurance. While focusing on the legal significance, working on the institutional change of the new law also appears imminent. Especially when the establishing mode of deposit insurance fund management institution, which is the key in deposit insurance, is not clear in the newly issued regulations. To study the establishing mode is not only helpful to further promote the development and perfection of deposit insurance system in China, but also helpful to regulate the deposit insurance fund management institutions. There was research on deposit insurance in China before, but few specially focused on establishing mode of deposit insurance fund management institution. Through this study, the writer hopes to make some contributions to the development of financial law in China.