构建中国的存款保险制度——以西方存款保险制度为借鉴

Construction of the Deposit Insurance System in China

存款保险制度与金融监管当局的审慎监管、中央银行的最后贷款人制度一起被国际社会公认为金融安全体系的三大基石。存款保险制度在西方各国已基本建立并取得一定效果,中国还尚未建立这一制度。本文借鉴西方国家存款保险制度的成功范例来分析中国建立存款保险制度遇到的问题,从而提出中国构建存款保险制度所采取的建议措施。

The deposit insurance system and the prudential supervision of financial supervisory authorities,the central bank’s lender of last resort system are recognized by the international community as the three cornerstones of financial security systems. Deposit insurance system in the Western countries has been basically established and achieved certain results,but China has not yet established such systems. Learning from this successful example of a deposit insurance system in Western countries,we can analyze the problems that establishing a deposit insurance system in China,and thus what measures we should take to build the deposit insurance system in China.