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近几年来,学者对存款保险制度进行了大量的研究,但大多数都是从银行和保险的技术层面介绍和比较外国的存款保险机构、对象、投保方式、费率和赔付标准等。然而,笔者却很少看到从法律视角分析存款保险制度的构建,尤其是存款保险机构的法律地位问题。本文从银行市场退出的法律缺陷和存款保险法律关系的角度入手,探讨我国存款保险机构的设置及其职能。
In recent years, scholars have done a lot of research on the deposit insurance system, but most of them introduce and compare the foreign deposit insurance institutions, objects, insurance methods, rates and standards of payment from the technical aspects of banking and insurance. However, I seldom see how to analyze the construction of deposit insurance system from a legal perspective, especially the legal status of deposit insurance institutions. This article starts with the legal defects of the withdrawal of the banking market and the legal relationship of deposit insurance, and discusses the setup and functions of deposit insurance institutions in our country.