存款保险制度对中小银行发展的影响——以银行破产为视角

The Impact of the Deposit Insurance System on the Development of the Small Medium Banks—Viewing from Bank Insolvency

随着我国经济发展的需要,金融机构改革将一步加深,存款保险制度是我国金融体制改革的一项重要措施,国内银行从政府担保向金融保障制度转移。自从美国金融危机以后,很多国家都建立新的金融保障制度。存款保险制度在我国发展与实施中还存在很多问题,尤其对中小银行未来发展产生影响,建立存款保险制度的目的是保护存款人的利益,促进银行业适度竞争,但是很多储蓄者担心一些中小银行将来会面临倒闭的风险。论文结合目前我国经济发展的国情进行分析,找出合理的发展建议对策。

With the need of the economic development of our country,the reform of financial institutions will further deepen,the deposit insurance system is an important measure for the reform of financial system in China,the domestic bank transfer from government guarantees to financial security system. Since America after the financial crisis,many countries have set up new financial guarantee system. The deposit insurance system,there are still many problems in the development and implementation of our country,especially on the impact of future development of the small and medium-sized banks,the establishment of a deposit insurance system is designed to protect the interests of depositors,promote moderate competition in banking industry. But many savers worried about the risk of some small and medium-sized banks will face collapse. In this paper,combined with the present economic development of our country national condition analysis,find out the reasonable suggestions of countermeasure of development.