完善我国存款保险制度的思考——基于国际经验的视角

Thoughts on improving of China's deposit insurance system——Based on the view of international experience

存款保险制度是金融安全网的三大核心制度之一,具有抵御挤兑风险,维护金融系统稳定性的重要功能。2015年5月1日,《存款保险条例》的推出,标志着显性存款保险制度在我国正式建立,但制度的相关实施细则仍未明确。文章通过对一些国家存款保险制度的发展进程进行分析,在总结其经验和教训的基础上,为我国存款保险制度的完善提出了个人意见。

Deposit insurance system is one of the three core systems of the financial security network ,which can resist the risk of run on a bank and play a vital function to maintain the stability of the financial system.The implement of＂the regulations of deposit insurance＂, on May 1, 2015, marked that the explicit deposit insurance system in our country was established, but the specific details of system is not clear.This paper reviews the background,development process,design characteristics and implementation effect of different countries＇ deposit insurance systems, aiming to improve the establishment of Chinese deposit insurance system.