Quyền và nghĩa vụ của các chủ thể trong hoạt động bảo hiểm tiền gửi theo pháp luật Việt Nam

1
MỞ ĐẦU
1. Tính cấp thiết của đề tài


,    


 







  



              


               
  
Q-

 -

2
       
 

 




 [16].


               


 

 

 

 
     



        

3



, 

 


 



t



 [16].


 

        


 



4





            
             TCTD  
2011-


              
              
BHTGVN.
         






  


 quy
II  

 

5



 
“Quyền và nghĩa vụ của các chủ thể
trong hoạt động BHTG theo pháp luật Việt Nam” 

2. Tình hình nghiên cứu đề tài
              
l 



Bảo hiểm tiền gửi
- Nguyên lý, thực tiễn và định hướng 



 
n Pháp luật về bảo hiểm tiền gửi ở Việt Nam     





 


6
Quy chế pháp lý về bảo hiểm tiền gửi tại Việt Nam 



Pháp luật về hoạt động
bảo hiểm tiền gửi ở Việt Nam 



              


Bảo vệ quyền lợi của người gửi tiền theo pháp luật về Bảo
hiểm tiền gửi tại Việt Nam - Thực trạng và phương hướng hoàn thiện 
  2007); Quản lý nhà nước
về bảo hiểm tiền gửi 


 
 
khi Luật BHTG  
         

Quyền và nghĩa vụ của các chủ thể trong hoạt
động bảo hiểm tiền gửi theo pháp luật Việt Nam 
thi.


7

3. Mục đích, nhiệm vụ nghiên cứu
3.1. Mục đích
-2012


BHTG  
   Quyền và nghĩa vụ của các chủ thể trong hoạt động
BHTG theo pháp luật Việt Nam 
 
201

 

3.2. Nhiệm vụ:
          
 sau:
-              

- 

- 

            

- 




8

4. Đối tƣợng và phạm vi nghiên cứu
- 

Nam            

 


- 







5. Phƣơng pháp nghiên cứu
            

 



      
 



9
6. Tính mới và đóng góp của đề tài

 ,  :
- 

 

- 

.
- 

 
7. Bố cục của Luận văn
 
:
Chƣơng I: 
 
Chƣơng II: 
trong 
Chƣơng III:   

 



10
CHƢƠNG I: MỘT SỐ VẤN ĐỀ LÝ LUẬN VỀ BHTG VÀ QUYỀN,
NGHĨA VỤ CỦA CHỦ THỂ THAM GIA
HOẠT ĐỘNG BHTG

1.1. Khái niệm, đặc điểm, vai trò của BHTG

1.1.1. Khái niệm
 1933 
 
       







[3]




tiền gửi là số tiền của khách hàng gửi tại các tổ chức tín dụng dưới hình
thức tiền gửi không kỳ hạn, tiền gửi có kỳ hạn, tiền gửi tiết kiệm và các hình
thức khác. Tiền gửi được hưởng lãi hoặc không được hưởng lãi và phải được
trả cho người gửi tiền Theo         
nhận tiền gửi là hoạt động nhận tiền của tổ chức,
cá nhân dưới hình thức tiền gửi không kỳ hạn, tiền gửi có kỳ hạn, tiền gửi tiết


11
kiệm, phát hành chứng chỉ tiền gửi, kỳ phiếu, tín phiếu và các hình thức nhận
tiền gửi khác theo nguyên tắc có hoàn trả đầy đủ tiền gốc, lãi cho người gửi
tiền theo thỏa thuận.
 




              



 

, 

 






là một cơ chế có giới hạn nhưng chính
thức cung cấp sự bảo đảm mang tính pháp lý cho các khoản gốc (và thường
là cả lãi) của các khoản tiền gửi 

               


12


             




Kho
Nam 
“BHTG là sự bảo đảm hoàn trả tiền gửi cho người được bảo hiểm
tiền gửi trong hạn mức trả tiền bảo hiểm khi tổ chức tham gia bảo hiểm tiền
gửi lâm vào tình trạng mất khả năng chi trả tiền gửi cho người gửi tiền hoặc
phá sản”.
             






1.1.2. Đặc điểm của BHTG
BHTG 

Thứ nhất
      ng   
 
             ,   



13

Thứ hai

 





 

Thứ ba



.
Thứ tư, 
  
      






Thứ năm     

tham gia BH


14

, trong
 




Thứ sáu


               


1.1.3.Vai trò của BHTG
Thứ nhất
 

. 





      






15






           

- 

               

Thứ hai
 
  


 


 



 

               



16




  









              
   
 
Thứ ba, 




 




   


17


Thứ tư,   



 

                



Thứ năm















18
1.2. Các chủ thể tham gia hoạt động BHTG


201:










1.2.1. Tổ chức bảo hiểm tiền gửi

              
 
BHTG.



               
BHTG
* Mô hình tổ chức và hoạt động của tổ chức BHTG
Qu




19











 



 ty BHTG Indonesia (IDIC  



c
 [33]

 







20
- 




- 






  



- 1948.

 


* Vai trò và chức năng của tổ chức BHTG
             


 
- 


21
Thứ nhất, B





 
Thứ hai, G






    




 


 

 





22





, 

(3) 

      

, k

  



Thứ ba, T
 
  
tri


 



  


23


1.2.2. Tổ chức tham gia BHTG










 
















24



 


           
bu





   







m gia BHTG



BHTG.


25
1.2.3. Chủ thể đƣợc hƣởng quyền lợi bảo hiểm
         


 
 



              


 
BHTG 







, v

:



.