美国存款保险制度在本轮金融危机中的发展创新

Development of U.S.Deposit Insurance during the Current Crisis

美国是世界上存款保险制度运作相对较为完善的国家。在应对本次危机的过程中,美国存款保险机构联邦存款保险公司(FDIC)不仅积极发挥传统功能,保护存款人利益,及时化解金融风险,而且对自身职能进行了发展和创新,进一步增强了功能完善的存款保险制度在化解系统性风险方面的能力,为其他国家存款保险制度运行提供了借鉴。本文对美国存款保险制度在应对本轮金融危机中的有关发展创新进行总结和分析。

The deposit insurance system of the United States was a good example for other countries in terms of its fullblown functions and significant role in maintaining financial stability. In the current crisis, Federal Deposit Insurance Corporation has been actively engaged in protecting depositors＇ interest and dealing with problems arising from the crisis. In the process of dealing with the crisis, FDIC also expanded the role of U.S. deposit insurance system in managing systemic risks and ensuring financial stability. The paper would like to summarize the latest development of FDIC and U.S. deposit insurance system in the current crisis and do some analysis on its implications.