我国建立存款保险制度的必要性

Necessity of Introducing Deposit Insurance in China

在信用经济条件下,存款保险作为一种制度安排有其深刻的必然性。银行作为最重要的金融中介机构在经营中存在着高度的内在风险,而这种风险一旦外化为银行危机,则会产生高昂的社会成本。我国在金融发展和深化的过程中,金融风险日益突出并可能演化为危机,同时,当前中国人民银行缺乏有效的监管机制能够对其加以防范和化解。因而,我国亟需引入存款保险机制。

Deposit insurance,as an arranged system is fundamentally necessary in the credit economy.Banking system acting as the most important financial intermediary institution may produce tremendous internal risks during its operation.Once these kinds of risks externalize into banking crisis,high social cost will be inevitable.During the process of financial developing and deepening in China ,financial risks are becoming more and more prominent,possibly leading to crisis.Meanwhile,Chinese central bank lacks effective system of supervision,which can be used to prevent and dissolve the emerging risks.Nevertheless,deposit insurance system is immensely demanded to be introduced to our country.