存款保险制度对商业银行的影响及应对策略

The Deposit Insurance System on the Impact of Commercial Banks and Countermeasures

存款保险在保护存款人权益、及时防范和化解金融风险、促进银行业金融机构健康发展、维护金融稳定中发挥了重要作用。存款保险在保护存款人权益、及时防范和化解金融风险、促进银行业金融机构健康发展、维护金融稳定中发挥了重要作用。存款保险制度是市场经济条件下保护存款人利益的重要措施,是金融安全网的重要组成部分。存款保险制度有助于维护金融稳定、有助于银行业的公平竞争、有利于促进民营银行的发展、有助于保护存款人利益等。同时完善了我国问题银行的退出及处置机制,同时也可缓解因国家隐性担保导致部分金融机构"经营失败而不倒"的现象,倒逼银行改善经营管理,充分激发整个银行体系的市场活力,促进我国金融生态环境步入可持续发展的健康运行轨道。

Deposit Insurance in protecting depositors interests, timely prevent and defuse financial risks, and promote the healthy development of the banking industry, financial institutions play an important role in maintaining financial stability. Deposit insurance in protecting depositors interests, timely prevent and defuse financial risks, and promote the healthy development of the banking industry, financial institutions play an important role in maintaining financial stability. Deposit insurance system is an important measure to protect the interests of depositors under the condition of market economy, is an important part of the financial safety net. The deposit insurance system helps to maintain financial stability, contribute to fair competition in banking, is conducive to the promotion of private banking development, help to protect the interests of depositors. At the same time improve the exit and disposal mechanism of problem banks in China, but also for relief of state implicit guarantee in the phenomenon of financial institutions ＂failed to fail＂, forced banks to improve the operation and management of the entire banking system, fully stimulate the vitality of the market, and promote the healthy operation of the track of China＇s financial ecological environment into sustainable development.