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1、第三章商业银行法律制度三、存款法律制度四、贷款法律制度第三章商业银行法律制度三、存款法律制度1.中国商业银行的存款业务法律依据：无统一的存款管理法存款业务经营许可制：银监会许可商业银行、城乡信用合作社以及邮政储蓄机构吸收公众存款保护存款人利益：对个人存款人的保护对单位存款人的保护利率管制存款准备金和备付金保证存款本金和利息的支付银监会接管的情况承担民事责任第三章商业银行法律制度三、存款法律制度2.美国商业银行（AmericanCommercialBanks）的存款业务Legalbasis:FederalDepositInsur
2、anceActNon-interestincomeliberalizationofCommercialBankrateDepositInsuranceSystem:FederalDepositInsuranceCompany(1)range:currentdeposit;fixeddeposit;savingsdeposit(2)highestliquidation:$100,000(3)regulatorypowers第三章商业银行法律制度三、存款法律制度3.案例VideoTrax,Inc.v.NationsBank,N.A
3、.Facts-(1)Defendantisanationallycharteredbankinginstitution,organizedandexistingunderthelawsoftheUnitedStates.PlaintiffisacorporationorganizedunderthelawsoftheStateofFlorida.(2)OnJune10,1992,PlaintiffopenedaSimpleAnalysisBusinessCheckingaccountatNCNBNationalBankofFl
4、orida,N.A.,Defendant'spredecessor.Theobligationsofthepartiesweregovernedbythesignaturecards,depositagreements,andschedulesoffeesineffectfromtheinceptionoftheaccountuntiltheaccountwasterminatedonFebruary18,1997.(3)Throughoutthehistoryoftheparties'bankingrelationship,
5、severalcheckswerepresentedforpaymentagainstPlaintiff'saccountwhentheaccountcontainedinsufficientfundstocoverthechecks.AccordingtoDefendant'sscheduleoffees,aflat,peritemfeewaschargedagainstPlaintiff'saccountwhetherthecheckwashonoredorreturned.第三章商业银行法律制度三、存款法律制度3.案例V
6、ideoTrax,Inc.v.NationsBank,N.A.Parties’scontentions-(1)Plantiff’s：PlaintiffallegesthattheOverdraftItemFee(the“ODfee”)oncheckingaccountschargedbyDefendant,anationalbankingassociation,wasactuallyasubterfugetoexactausuriousrateofinterestinviolationoftheBankAct.(2)Defen
7、dant’s:DefendantaversthattheODfeewasanadministrativecosttocovertheprocessingofchecksdrawninexcessofthecollectedbalanceinadepositor'saccount,andwasnotinterestascontemplatedbytheBankActandFlorida'susurystatute.Therefore,accordingtoDefendant,sincetheODfeeisnot“interest
8、”,itisnotusurious.Issue-whethertheODfeeisreallyinterest.第三章商业银行法律制度三、存款法律制度3.案例VideoTrax,Inc.v.NationsBank,N.A.Court’sreasoning-(1)TheMean
