仅有显性存款保险制度是不够的——对我国建立存款保险制度的思考

Only Explicit Deposit Insurance is not Enough

显性存款保险制度在世界范围内得到了广泛的发展,但是存款保险制度在国家间存在着差异,它与一个国家的经济和金融环境的诸多因素相联系。存款保险制度设计的有效性必须考虑存款保险制度对市场约束、银行稳定性、金融发展和解决金融危机的影响,并且要考虑一个国家的制度和契约环境来因地制宜地设计。在没有评估和改善信息并且存在监管环境缺陷基础上提倡采纳显性存款保险制度,从长期来看是危险的。

Explicit deposit insurance witnessed a widespread development across the global in past years. However, different concrete form dominates in different countries, correspond to different economic and financial environment in each country. The effectiveness of the deposit insurance regime hinges on its impact on the market restriction mechanism, stability of the banking sector, financial development and measures to deal with financial crisis, while the legal and contractual environment should also be taken into account. It will be perilous to import the explicit insurance without adequate assessment or improvements in terms of both information inadequacy and supervision inefficiency from a long-term perspective.