台湾存款保险制度架构及启示

On Taiwan Deposit Insurance Framework and its Revelation

存款保险制度是在金融市场化条件下,保障储户安全、维护金融稳定的一项重要制度安排。台湾在发展存款保险制度方面的独到经验值得重视。大陆金融改革与金融机构的多元化,客观上要求实行存款保险制度;存款保险制度的设计与建立要和金融体系的改革与完善同步进行。应从普遍性的固定费率起步,在建立完整的监督、评价体系之后,再逐步过渡到差别费率。

Taiwan＇ s unique experience in the development of deposit insurance system is worth our attention. Based on the relevant experience in Taiwan we can get with the diversification of financial reform and financial institutions in China's Mainland, it is necessary to carry out a deposit insurance system objectively; The design and establish of the deposit insurance system need to simultaneous with the financial system reform; So we suggest to start from the fixed premium rate, after build complete supervision and evaluation system, and then gradually transition to the risk-adjust premium rate.