歐盟存款保證制度之研究

淡江大學機構典藏 > 國際事務學院 > 歐洲研究所 > 學位論文 > Item 987654321/87046

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題名:	歐盟存款保證制度之研究
其他題名:	The study of european deposit guarantee system
作者:	陳宜欣;Chen, Yi-Shin
貢獻者:	淡江大學歐洲研究所碩士班陳麗娟;Chen-Rabich, Li-Jiuan
關鍵詞:	銀行自由化;存款戶;金融市場的穩定;存款保證;金融服務賠付機制;Banking Deregulation;Depositor;Stability of the Financial Market;Deposit Guarantee;Financial Services Compensation Scheme
日期:	2012
上傳時間:	2013-04-13 10:36:40 (UTC+8)
摘要:	在歐盟資金自由流通的原則下，各會員國的金融市場已緊密的連結一起，當一個會員國發生的銀行危機也會無國界的蔓延，因此穩定歐盟的金融市場是在銀行自由化後重要的課題。存款是銀行營運的根本，存款保證在保護存款戶時也穩定了銀行在金融體系的運作。建立一個存款保證制度對歐盟金融市場而言，不僅是促進銀行自由化的助力、配套措施、亦是歐盟銀行監理的重要要素。不過存款保證與一個會員國的歷史文化、金融法制、經濟發展等相關，因此歐盟調合會員國的存款保證是一個艱鉅的任務。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.
顯示於類別:	[歐洲研究所] 學位論文

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