本論文已被瀏覽 43 次, [ 造訪詳細資料與全文 ] 0 次,[ 回到前頁查詢結果 ] [ 重新搜尋 ]

建立有效存款保險機制之研究—以存款保險國際準則為中心

A Study on the Establishment of an Effective Deposit Insurance -- Focus on the Guidance for Developing Effective Deposit Insurance Systems

作者:蔡岡霖
畢業學校:東吳大學
出版單位:東吳大學
核准日期:2006-06-30
類型:Electronic Thesis or Dissertation
權限:Copyright information available at source archive--scu....

中文摘要

存款保險制度與審慎的金融監理、最後融通者機制已被共認為係金融安全網的重要成員。一套健全有效的存款保險制度有助於保障存款人權益、維護金融穩定,因此,國際社會莫不致力於研究存款保險制度,如2001年金融穩定論壇(FSF)提出「存款保險國際準則」(Guidance for Developing Effective Deposit Insurance Systems),2002年國際存款保險機構協會(IADI)成立後,更是努力透過存款保險領域之國際合作,從經驗之交流與議題研究中,訂定準則以提升存款保險之有效性,促進全球金融體系之穩定,並鼓勵存款保險機構與其他團體進行國際接觸。
我國存款保險制度因其體制與法令的牽制,不如美國聯邦存款保險公司(FDIC)之組織獨立與權限明確,存有許多待改進之處,尤其是對問題金融機構處理。未來我國在金融監理一元化體制下,政府應審慎思考以明確劃分中央存款保險公司(CDIC)之權責與制定相關配套法規,另外,與其他金融安全網成員之資訊交流與協調合作亦是建立有要存款保險制度的種要課題。
本論文約可分為三大區塊,第一區塊,存款保險制度在各國之立法例及國際組織之建議,尤以「存款保險國際準則」(Guidance for Developing Effective Deposit Insurance Systems)為研究中心。第二區塊,檢視存款保險制度在處理問題金融機構議題上的功能及角色,包括立即糾正措施、退場機制、賠付及訴追,於參考各國法制情況後提出個人意見。第三區塊,回顧我國存款保險制度之過去、現在與未來,比較其與國際趨勢之異同,包括組織定位、風險控管及跨國合作等,並提出對建立有效存款保險制度之拙見。

英文摘要

Abstract
Financial safety net usually comprises the deposit insurance system, prudential regulation and supervision, and the lender-of-last-resort function. Soundness of deposit insurance system design is an important component of financial services policy: through their effect on consumer confidence, schemes can help to reduce the likelihood of crises. Therefore, many of the international Organizations research deposit insurance system, for example, Financial Stability Forum (FSF) advance Guidance for Developing Effective Deposit Insurance Systems in 2001. The International Association of Deposit Insurers (IADI) was formed in 2002, its objects that to contribute to the stability of financial systems by promoting international cooperation in the field of deposit insurance and to encourage wide international contact among deposit insurers and other interested parties.
There are a lot of questions related the design of Deposit insurance system in Taiwan. Central Deposit Insurance Corp. (CDIC) isn t enough of independent; powers as like the Federal Deposit Insurance Corporation (FDIC) because design of structure and regulations, especially for the resolution of bank failures. The government in order to promote an integrated financial supervision, the Financial Supervisory Commission was established in 2004. In future, the government should decide divide of powers and responsibility related financial safety net participants and statutory powers accorded to the deposit insurer. In addition, it is an important issues those interrelationships among safety-net participants, information sharing, and cooperation.
This paper includes three sections. First, study of the deposit insurance system in some countries, the United States, England, Canada, Japan, Korea, and the suggestions of the international organization. We focus on the Guidance for Developing Effective Deposit Insurance Systems in this section. Second, review the function and role of deposit insurer about the resolution of bank failure. This issue includes Prompt Corrective Action (PCA), Claims and Recoveries and filed a lawsuit against the director. Then, my view of effective resolution of bank failure was offered after studied other country s experiences. Third, review the past, now and future of the deposit insurance system in Taiwan, then compare the differences. This section covers Structure, Risk Minimizers, and Cross-border issues in deposit insurance system. Finally, offered some suggests for developing effective deposit insurance.

 

計畫贊助者: