建立存款保险制度与发展中小商业银行的内在逻辑和中国局限

Internal Logic and Limitation on Establishment of Deposit Insurance System and Development of Small and Medium Commercial Banks in China

建立存款保险制度和发展中小商业银行,对中国金融经济的稳定与发展具有重要意义。本文从二者之间存在的相互制约和依存关系解释了为何在中国现有体制下二者难以建立和发展。研究表明,建立存款保险制度对中小商业银行的经营和增强竞争力不显著,但有利于其获得监管部门的批准设立。

It is important to build up the system of deposit insurance and increase the scale of Small and Medium （SM） Commercial banks in china, which has significant effect on the stability and achievements of Economy and Finance. This paper explains the di^culties to build up and maintain the relationship of two ones. The result shows that establishing the deposit insurance system does not enhance the competitive strength of SM Commercial Banks, but benefits for the SM Commercial Banks establishing.