摘要
通过对存款保险的两种定价模式———单一费率制和差别费率制经济特征进行分析比较,建议我国存款保险定价模式的选择可以考虑实行强制性的分等级的单一费率制、实行保费预收后补的与风险等级相联系的差别费率制和当风险和信用评价机制完备时实行基于风险的差别费率制三种形式。
This paper analyses precisely the characteristics of two pricing models for deposit insurance, and brings forward proposals for the pricing models. Three styles of pricing models for deposit insurance in China are suggested in this paper：compulsory classified single rate, differential rate with advance charge and relating with risks, and differential rate based on risks at the time when a perfect appraisal system is set up.
出处
《广西财经学院学报》
2006年第1期63-67,共5页
Journal of Guangxi University of Finance and Economics
关键词
存款保险
单一费率制
差别费率制
deposit insurance
single premium rate
differential premium rate
pricing model
