摘要
存款保险保护程度作为存款保险制度的重要设计方面,其能否有效设定直接影响到存款保险制度作用的发挥。目前世界上的学术界主要提出了四种存款保险赔付的方式:基于存款规模设定赔偿额度,基于存款期限设定赔偿范围,共同保险以及以市场为导向的存款保险。基于我国的情况,认为我国应当采用存款限额与共同保险相结合的设计方式。通过最优保护比例模型分析,我国应设定较高的存款保险保护比例。
As the protective coverage of deposit insurance plays an important part in its design,the function of deposit insurance system is directly influenced by whether the protective coverage is properly designed.The present academic circle proposes four forms of compensation ： the compensation scope based on deposit size;the compensation scope based on maturity of deposits;co-insurance and market-oriented deposit insurance.In view of the specific conditions of China,we suggest that the designing should emphasize combining the deposit insurance with coverage limit and co-insurance.The analysis of the optimal protective ratio model indicates that China should set a relatively high protective ratio in the deposit insurance system.
出处
《金融理论与实践》
北大核心
2010年第1期55-59,共5页
Financial Theory and Practice
关键词
存款保险制度
保护程度
金融稳定性
道德风险
Deposit insurance
Protective coverage
Financial stability
Moral hazard
