论银行存款保险制度在我国的可行性

[摘要]

存款保险制度是一个系统，以保障存款人的利益，维护健康有序的金融秩序，银行因意外事故破产债务清偿的法律形式确立。简而言之，是一种危机银行“买单”制度，即建立存款保险机构支付保费从各种存款类金融机构，一度面临破产的存款保险机构的保险机构支付一定量的保证金制度。为了确保国家的金融稳定，中国已实际实行了包括金融机构市场，优先事项和国家存款保险责任的存款保险制度，在维护金融稳定发挥了积极作用。但在市场上的主力军的过度依赖国家信用，大量滥用的道德风险。我们国家在新形势下为了满足建立较强的竞争意识，促进银行业金融机构主动寻求自我发展的能力，建立更加合理的金融体系，迫切需要建立存款保险制度。  

[关键词] 存款保证金制度; 必要性分析; 可行性分析

On the feasibility of the deposit insurance system in China

Abstract：

The deposit insurance system is a system in order to safeguard the interests of depositors, safeguard the healthy and orderly financial order, established by the legal form of a bank due to an accident bankruptcy debt settlement. Simply put, is a crisis banks “pay” system, namely the establishment of a deposit insurance institution to pay the premiums from a variety of deposit-taking financial institutions, once the insured institutions facing bankruptcy by the insurance agency for the depositor to pay a certain amount deposit system . Has been, in order to maintain the country’s financial stability, China is actually practiced the State deposit insurance responsibility for the market exit of financial institutions, savings deposits paid in priority and full acquisition of the policy, although this implicit deposit insurance system for the protection of depositors interests played an active role in maintaining financial stability, but led to the main players in the market over-reliance on the national credit, a large number of abuses of moral hazard. To form a stronger sense of competition, in order to promote the banking financial institutions take the initiative to seek self-development capabilities, to build a more reasonable financial system, urgently needs to establish a deposit insurance system in line with market economy standards at the same time suitable for China.
Keywords：savings deposit system； the need for analysis；feasibility analysis

目     录

中文摘要及关键词—————————————————————————————————--2

英文摘要及关键词—————————————————————————————————–3

目录———————————————————————————————————————--4

1、绪论——————————————————————————————————————-5

1.1文献综述——————————————————————————————————-5

1.2术语说明——————————————————————————————————-5

2、银行存款保险制度发展过程及功能—————————————————————————-6

2.1银行存款保险制度的发展过程：————————————————————————-6

2.2银行存款保险制度的功能———————————————————————————-6

3、在我国建立存款保险制度的必要性分析———————————————————————-7
3.1需要中国的商业银行实施有效监管———————————————————————-7

3.2建立存款保险制度是在中国金融改革的迫切需要—————————————————-8

3.3建立存款保险制度是实施新的企业破产法的必然要求———————————————-8

4、建立存款保险制度的可行性————————————————————————————-8
4.1深化金融改革，为建立存款保险制度创造良好的微观基础—————————————-8

4.2金融监管进一步加强—————————————————————————————-8

4.3存款保险制度的建立，可以进一步促进外部条件的成熟——————————————-9

4.4国际经验是比较充分的，可以减少到最低程度的负面影响—————————————-9

5、构建我国存款保险制度可以采取的策略和步骤————————————————————-9

5.1在中国建立存款保险制度的激励兼容机制————————————————————-9

5.2建立存款保险制度应结合有效的银行监管同时开展———————————————-—9

5.3.建立强制保险的办法和广泛的保险机构————————————————————––9

5.4存款保险费率的制定—————————————————————————————-9

5.5建立存款保险基金——————————————————————————————10

5.6不断完善配套的法律法规———————————————————————————10

6、结论——————————————————————————————————————11

参考资料————————————————————————————————————– –12

致谢—————————————————————————————————————– —–13