摘要
存款保险制度以存款人的付款请求权作为保险标的,在银行破产或无法支付时依法定或约定限额对存款人承担保险赔付责任,因而与银行破产制度有着天然的联系。但是,各国传统上大多关注存款保险制度在银行破产清算中的存款赔付功能,对存款保险制度在银行重整程序中的功能却没有给予足够重视。本文首先阐述存款保险制度在银行重整程序中的适用性,继而剖析了存款保险机构参与银行重整程序的法理基础,最后对存款保险制度在银行重整程序中的具体价值进行逐一分析。
Deposit insurance,which makes depositors payment claim as the insured subject matter,has obligation to pay depositors in case bank is bankrupt or insolvent.Obviously,there is a natural relation between deposit insurance and bank bankruptcy system.But in tradition,most governments pay close attention to deposit insurance payment in bank liquidation,rarely attach importance to the possible functions of deposit insurance in bank reorganization.This article makes an analysis on application of deposit insurance in bank reorganization,and then elaborates the legal basis for deposit insurance participating in bank reorganization.Finally it analyzes the legal value of deposit insurance in bank reorganization.
出处
《金融评论》
2011年第5期77-90,125,共14页
Chinese Review of Financial Studies
关键词
存款保险
银行破产
银行重整
Deposit Insurance
Bankruptcy
Bank Reorganization
