存款保险制度对我国银行业的影响——基于国际比较视角

The Impact of Deposit Insurance System on China's Banking Industry——From an International Comparison Perspective

美国、英国、日本及德国实施的存款保险制度在制度组织形式、保险机构组建方式、授权模式以及基金体系方面具有显著特征。2015年3月31日,酝酿多年的《存款保险条例》正式发布,这标志着我国存款保险制度正式建立。与四国存款保险制度对银行业的影响相比,即将于今年5月1日起施行的这一制度将使得我国银行业机遇与挑战并存,在借鉴四国银行业发展经验的基础上,提出了我国银行业在应对存款保险制度实施时应采取的策略。

There are remarkable characteristics for the deposit insurance system in the United States, Britain, Japan and Germany, as for its form of organization, institution-establishing way, authorization mode and fund system.On March 31, 2015, the “Deposit Insurance Regulations” was opened to the public after years of deliberation, which marks the formal establishment of the deposit insurance system in China.Compared with the effect of deposit insur-ance system upon the banking sector in the four countries, the system which will come into effect on May 1, 2015 will make China’s banking industry face more opportunities and challenges.Drawing from the experiences in bank-ing industry development in these four countries, the paper proposes some countermeasures for China’s banking in-dustry in responding to the deposit insurance system.