台湾存款保险费率制度与经验借鉴

The Pricing Model and Referential Experience of Taiwan's Deposit Insurance Rate

存款保险制度是维护金融稳定的三大法宝之一。存款保险制度的核心问题是存款保险定价问题,存款保险费率分为单一费率和差别费率。台湾地区较早建立存款保险制度,存款保险费率制度从单一费率演变为差别费率,在存款保险费率定价上积累了较成熟的经验。我国亟待实现隐性存款保险向显性存款保险的转变,可以借鉴台湾地区的存款保险费率定价模式,在充分考虑实际情况的基础上,从实施风险差别费率、建立风险评级体系、完善风险费率配套措施等角度着手,设立合适的存款保险费率制度。

As one of the three main and effective methods of maintaining financial stability, the key problem of the deposit insurance system is the deposit insurance rate, which can be broadly classified as unified rate and differentiated rate. Taiwan established the deposit insurance system earlier, it experienced the evolving process from unified rate and differentiated rate, and accumulated rich experiences in practice. There is pressing need for the Chinese mainland to transform from the implicit deposit insurance to visible deposit insurance. Based on practical considerations, the Chinese mainland may draw on Taiwan＇s experience from the aspects of adopting differentiated rate, establishing risk rating system and improving risk supporting measures to set up the appropriate deposit insurance rating system.