我国银行存款保险费率计量模式的合理选择

Reasonable choice of computation pattern on the premium of deposit insurance by referring to the foreign experiences

在我国或将实行存款保险制度之际,面临的一个核心技术问题是采用何种存款保险费率计量模式。纵观世界,虽然现阶段采用统一存款保险费率的国家偏多,但是差别费率模式却是未来的发展方向,实施何种费率计量模式要综合兼顾,考虑国情,我国合理的选择应该是初期实行机构等级费率制,等条件成熟时再实行风险等级差别费率制。

The system of deposit insurance will be carried out in China. To choose the reasonable computation pattern on the premium is a key question. Now about 25 countries in more than 70 countries who have brought the system of deposit insuranee into effect and choose the computation pattern of the uniform premium, but the computation pattern of the different premium is the development trend. The relative situation of China and the disadvantages of the two computation patterns etc. must be taken into consideration when we choose the computation pattern on the premium. In China, the different computation pattern according to the institutional grades of the bank should be carried out at the beginning, and then to implement the computation pattern of the different premium once the conditions permit.