存款保险早期纠正制度的国际经验与借鉴

International Experience and Reference of the Early Correction System of Deposit Insurance

近年来,我国银行业快速发展,资产规模持续扩大,目前已初步建成多层次银行体系,为实体经济提供了有力金融支持。但随着银行业态的复杂化,部分中小银行的风险隐患有所积聚,高风险金融机构压降难度大。党的二十大报告指出“防范金融风险还须解决许多重大问题”,将防范金融风险问题摆在了非常重要的位置。为此,应充分借鉴相关国际经验,通过强化规则约束和加强问责力度等手段建立健全存款保险早期纠正制度,尽可能避免公共资金介入,有效降低金融风险处置成本,持续压减高风险金融机构数量,切实维护金融稳定。

In recent years,Chinese banking industry has developed rapidly and banking assets have continued to expand.Our country has initially built a multi-level banking system and the banking sector has provided strong financial support for the real economy.However,with the complexity of banking operations,some small and medium-sized banks have accumulated hidden risks,and it is difficult to reduce the number of high-risk rated financial institutions.The report of the 20th National Congress of the Communist Party of China has pointed out that"To prevent financial risks,many major problems must also be solved",which put the problem of preventing financial risks in a very important position.To this end,we should fully draw on relevant international experience,establish and improve the deposit insurance early correction system by strengthening rules and strengthening accountability,avoid the involvement of public funds as much as possible,effectively reduce the cost of financial risk disposal,continuously reduce the number of high-risk financial institutions,and effectively maintain financial stability.