我国商业银行存款保险制度问题研究

Research on Commercial Bank's Deposit Insurance System in China

本文着重阐述了我国保险存款制度的发展历程,认为我国构建商业银行存款保险制度是推进利率市场化的必要条件,有助于明确商业银行在市场经济中的法人地位、约束商业银行的经济行为、发挥市场在资金配置方面的基础性作用,以及维护储户的金融利益和金融系统的整体稳定。

This paper mainly elaborates the development process of China＇ s deposit insurance system and believes that it is necessary to construct the deposit insurance system of commercial banks in China for the promotion of interest rate liberalization. It is helpful to make clear the legal status of commercial banks in the market economy, put constraints on the economic behavior of commercial banks, give play to the fundamental function of market in allocating capital, and safeguard the financial interests of deoositors and maintain the stability of financial system.