对建立银行存款保险制度的分析研究

Reaserch on building deposit insurance system

金融中介机构在现代市场经济中起着至关重要的作用,但是伴随着中国银行业市场化步伐的加快,金融领域的平静日益被打破,“优胜劣汰”的改革会使一些金融机构退出金融市场。为了保护这一退出过程中的存款者利益,构建良好的改革氛围,迫切要求我国尽快建立起存款保险制度。本文主要分析建立存款保险制度的时机选择,并结合我国实际情况,提出中国建立存款保险制度的构想。

Financial intermediary institutions are playing a vital role in modern market economy. Along with the further deepening of the market-oriented reform of china's state-owned commercial banks, the conventional practice in finance field is experiencing a significant revolution. Reform means that those financial institutions having advantages over others will win and those losers will go into bankruptcy. As a result, some financial institutions would be forced to withdraw from the financial market. In order to protect the interests of depositors during the withdrawal of some financial institutions and create a better reform environment, something must be done to build deposit insurance system as soon as possible. This article aims to analyze the appropriate time for building China' sdeposit insurance system and give my views on it in light of our current practice.