存款保险制度关键要素比较分析

Comparative Analysis on Key Factors of Deposit Insurance System

存款保险制度是市场经济体系中保障银行业稳健发展的基础性制度安排、国家金融安全网的重要组成部分。本文在对存款保险制度要素架构国际经验比较的基础上,针对目前我国在存款保险制度构建过程中存在的一些分歧和争议,提出应着重解决六个关键问题,及早以明确的存款保险制度取代政府隐性保险。

In the market economy, deposit insurance system （DIS） is a fundamental institutional arrangement safeguarding the stable development of banking industry, and also an important component of the national financial safety net. After a comparative study on the international experience of factor composition and main features of DIS in different countries, this paper raises 6 key issues of priority according to the discrepancies and disputes in the construction process of DIS in China and points out that we should replace the governmental implicit insurance by an explicit deposit insurance system as soon as possible.