Research On Legal Regulation Of Deposit Of Interest Subsidies

The paper based on the cases of deposit losing in different areas recently, and focus on deposit of interest subsidies which is closely related to the loss of deposit.It shows the current situation and the business mode of deposit of interest subsidies, points out that the compliance of the deposit of interest subsidies is controversial. At present,the deposit of interest subsidies has various types and ways which is in the gray area of regulation.There is the complex chain of interest which full of certain risks behind it. The author's analysis about the lack of legal regulation of our country's deposit of interest subsidies is based on the current situation exactly.Finally,the author puts forward some measures to complete the legal regulation.The general thought in this passage is described and analyzed under the sort of the following: raising the question, interpreting it in a micro view, analyzing on the basic of jurisprudence, completing regulation to solve this problem.The paper consists of three parts: introduction, body and conclusion.The body is with four parts.The first part of this passage describes the legal connotations,performances and operating modes of deposit interest subsidy.Then I analyze the legal characteristics and differences between related concepts.The second part introduces the necessity of regulation about deposit of interest subsidies.On the one hand,because of the non-standard operation in the practice,deposit of interest subsidies has an negative effect on society and the legitimate interests of financial consumers.On the other hand,It also can alleviate the financing difficulties of discount real economy.Therefore, We must reinforce the legal regulation.The third part focuses on the main problems relate to the practice currently about deposit of interest subsidies.First of all, it's difficult to define the deposit of interest subsidies; secondly,the lack of legal norms to regulate the deposit of interest subsidies leads to the lack of Regulatory basis;thirdly, with the advance of interest rate market, government regulation is difficult to balance with market equilibrium;what's more, due to the complexity of the legal relationship involved in the Deposit of Interest Subsidies, it's difficult to define regulatory responsibilities which are caused by the uncertain government regulatory bodies;finally, the internal supervision system of bank is not perfect.The fourth part redefines deposit of interest subsidies on the basis of the previous parts.It proposes different strategies for different legal issues about deposit of interest subsidies.It should not be prohibited by law.What we must do is follow the trend of financial reform and strengthen its guidance.To different forms of deposit of interest subsidies,different legal regulation of Construction should be made.The concrete suggestions is proposed from the following three aspects:legislation,government supervision and internal regulatory mechanisms of banks.