FDIC应对金融危机的主要经验做法与启示

The Main Experiences and Enlightenments of FDIC Responding to the Great Financial Crisis

美国的存款保险制度在经历金融危机考验的同时,也完成了制度革新与职能转变。危机期间,不断变革与完善的存款保险制度在稳定美国金融体系和维护公众信心方面发挥了重要的作用。联邦存款保险公司(Federal Deposit Insurance Corporation,FDIC)通过采取拓宽存款保险保障范围、实施风险差别费率改革等多项措施,及时有效地处置金融风险,成功地应对了危机。本文通过分析总结本轮危机中FDIC的主要经验做法与取得成效,为中国的存款保险制度提供经验借鉴。

The deposit insurance of U.S has come to institutional innovation and functional transformation since the Great Financial Crisis.During the Crisis,the constantly changing and improving deposit insurance has made signficant comtribution to stablizing U.S financial system and maintaining public confidence.FDIC has taken numbers of measures,like raising deposit insurance limit,implementing risk-based assessment reform,to timely and effective resolved financial risks, responsing to the crisis successfully.This paper summarize and analyze the main experiences and effects,aim to provide experience for Chinese deposit insurance system.