Application of Bank Deposit Insurance Legislation: Main Aspects
- Authors: Ovchinnikova Y.S.1
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Affiliations:
- Institute of State and Law of the Russian Academy of Sciences (IGP RAS)
- Issue: Vol 17, No 2 (2024)
- Pages: 92-97
- Section: Private Law (Civil) Sciences
- URL: https://journals.eco-vector.com/2072-3164/article/view/631003
- DOI: https://doi.org/10.33693/2072-3164-2024-17-2-092-097
- EDN: https://elibrary.ru/MAKSMX
- ID: 631003
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Abstract
The article highlights the special relevance of the legal study of the bank deposit insurance system. The authors have identified the main trends in the historical development of the bank deposit insurance system, which are generally of positive importance. The article also analyzes the main problems of legislation and law enforcement practice in the field of bank deposit insurance.
The conclusion is formulated that the legitimate interest of depositors should be protected primarily, while the established judicial practice in some cases indicates the opposite. In addition, the legislation on insurance of bank deposits violates the principle of equality of subjects of civil law. This situation leads to a drop in the level of depositors' trust and is an obstacle to the effective implementation of the bank deposit insurance system.
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About the authors
Yulia S. Ovchinnikova
Institute of State and Law of the Russian Academy of Sciences (IGP RAS)
Author for correspondence.
Email: domosedka@mail.ru
Cand.Sci.(Law), researcher
Russian Federation, Moscow
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