从中小银行发展看我国存款保险制度改革

The System Reform of Deposit Insurance in China Viewed from Middle & Small Bank's Development

从保护存款的安全、维护银行系统的稳定出发,国内学者提出开放条件下的中国应该做出“淡出隐性存款保险制度、推行显性存款保险制度”的政策选择。本文的另一重要理论依据是,上述政策选择有利于为中小银行提供一个与国有大银行平等的竞争环境,解决非国有企业的融资问题,增强金融市场的竞争效率,推进我国旨在以体制外增量化解体制内存量的整体金融改革。本文在探讨隐性、显性存款保险制度与中小银行发展的关系的基础上,从促进中小银行发展的角度,初步给出我国显性存款保险的具体制度设计。

For the purpose of deposit＇s safe and financial system＇s stability, domestic scholars consider that the implicate deposit insurance system should be relinquished, and at the same time the explicit deposit insurance system should be pursued in open China. Another theoretical evidence in this paper is discussed, that is, the advantage as follows can be made by the policy choice：（1） providing a fair compete condition for middle ＆ small bank; （2） solving the finance difficulty of non stated-owned enterprise; （3） reinforcing the compete efficiency of financial market; （4） advancing the whole financial reform in China. On the basis of the discussion on the relationship between the implicit /explicit deposit insurance system and the development of middle ＆ small bank, we show the initial design of explicit deposit insurance system in China.