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Deposits cash currency cash right

Author: LiPeiPeng
Tutor: LiuShaoJun
School: China University of Political Science
Course: Legal
Keywords: Currency withdrawal Deposit Currency Currency conversion rights Cash Management
CLC: D922.285
Type: Master's thesis
Year: 2009
Downloads: 23
Quote: 0
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Abstract


Currency in a country's economic and financial system in the most basic, it is the mediator in the commodity economy and regulatory tools. The basic functions of the currency in circulation media, the market economy can not be separated from the circulation of currency, cash currency in circulation and deposit money in circulation is the most basic form of currency in circulation. Cash currency in circulation is mainly used in the incidental expenses between the units and individuals to pay. In contemporary society, the cash currency in circulation, although not dominant, but it is the basis for the existence of society as a whole circulation of money is the premise of a deposit currency circulation, the note circulation of money and electronic money in circulation. 1 In order to ensure the number of cash currency in circulation, efficiency, order and security, to protect the normal financial and economic order, the state developed the cash currency in circulation a lot of a mandatory system. Among them, the most typical commercial bank account unit of currency withdrawal of deposits, restrictions on the right, this limits the restrictions of both the amount of extract cash, have cash to use the scope and purpose. However, these mandatory system in the legal problems: cash money is the basis of deposit currency, deposit currency derivative in the form of cash currency. The way of cash currency in circulation should be received payment the principal to decide to deposit money and cash in on the monetary jurisprudence should be able to complete the circulation and freely convertible. China is now the mandatory cash currency in circulation revenue and expenditure system to limit the monetary income to the free flow of payments between the main cash currency and deposit money and exchange freedom. In the process of circulation of money, the commercial banks to limit the unit deposit cash free cash the right also has a lot of irrationality. Therefore, we not only need to rethink our current compulsory system of cash currency in circulation; reflect on the commercial banks and other financial institutions have the right to restrict the freedom of the unit deposit cash withdrawals, allow cash withdrawals of account unit should have a reasonable standard. The article is divided into five chapters, the first chapter is an overview of cash currency, deposit currency and legal characteristics of the unit deposits; Chapter II of cash currency and deposit currency exchange rights theory, and an overview of our cash management system; The third chapter is a discourse on cash currency circulation system, including the concept of the cash circulation system, distribution channels and regulatory mechanisms (regulatory body, subject to the regulations and regulatory content), the same time, our existing cash currency circulation system evaluation; The fourth chapter is the focus of this article, that the commercial banks the right to limit the unit to deposit cash money at liberty to mention now the reason for the consideration and analysis: the operating principle of the commercial banks, commercial banks and deposit customers, mainly from several angles the relationship between the unit of deposit currency property is inviolable unit of deposits in bank bankruptcy and liquidation priority claim; The fifth chapter is based on the above analysis should build a reasonable standard of whether to allow the account unit to extract cash, such as financial institutions customer identification system, commercial banks, large cash transactions and suspicious cash transaction record reporting system. Finally, in the epilogue, the full text of the overall review, to further clarify the author's view that the \mandatory system in the circulation, such as the income per unit of cash deposit system, audit system of currency withdrawal, prohibition and spend cash monetary system, etc., only on the state budget units and state-owned enterprises to implement a mandatory requirement. Ultimately, to achieve the free circulation of the ordinary Recipient main cash currency and deposit money in the market economy and fully convertible.

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CLC: > Political, legal > Legal > Chinese law > Financial Law > Money Management Act
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