本論文探討歐盟存款保證的制度，闡釋存款保證對維持歐盟金融市場穩定的重要性、分析歐盟存款保證的制度、以及目前歐盟調合存款保證的情形，並以英國為例探討英國的存款保證制度，英國自1986年金融改革後金融市場已更加活絡的發展，但是卻在2008年受到全球金融危機的重創，英國的金融服務賠付機制為了回復英國金融市場的信心，已改革多項存款保證的規定，包括提高保證額度、縮短賠付的時間、以及強化社會大眾的認知。 Under the frame of the free movement of capital in the European Union (EU), the European financial market has been step by step established and the financial market among member states has closely integrated. A banking crisis in a member state can be widespread and has impact on other member states. Hence, stabilizing the financial market has become an important issue for the EU.
Deposit is the basis of the banking business. The deposit guarantee system not only protects depositors, but also stabilizes banking business in the financial system. Therefore, establishing the deposit guarantee system on the EU’s financial market has contributes to the banking liberalization. It is also an important element for the EU’s banking supervision. The deposit guarantee closely depends on the historical background, financial legal system and economic development among member states. Therefore, harmonizing member state’s deposit guarantee system is a challenge for the EU.
This thesis works on the current harmonization of the EU’s deposit guarantee system, and taking UK as an example, describes the transformation of the EU’s deposit guarantee system. UK has reformed its financial market since 1986. The global financial crisis in 2008 has impacted on the UK’s financial market. The Financial Service Compensation Scheme in UK has rebuilt the depositor’s confidence, and reformed the financial market. This thesis finally focuses on the measures of reform in UK, such as higher coverage, short pay-out time and public understanding.