目 录摘要·······························································3一、存款保险制度建立的目的及意义···································4
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
