实施存款保险后地方财政存款的风险防控研究——以驻马店辖县为例

Research on Risk Prevention and Control of Local Financial Deposits after the Implementation of Deposit Insurance:Taking Zhumadian and County Jurisdiction as Example

新《预算法》规定了"政府的全部收入应当上缴国家金库,国家实行国库集中收缴和集中支付制度"。由于财政国库集中支付改革不彻底,大量应当存放在国家金库的政府资金却以财政专户存款的形势存放在商业银行;存款保险制度实施后,国家将容忍或许可不良银行退出或倒闭,存放在商业银行的地方政府存款由于金额较大,基本处于存款保险最高保险额度之外,资金安全面临新的风险。作为政府现金管理的重要部门——央行国家金库,应及时关注政府现金整体运管中出现的新风险、新挑战,积极探索解决方案,这将具有重要的现实意义。

According to the New Budget Law, all government revenue should be turned over to the State Treasury and the state practices the system of centralized treasury collection and centralized payment. However, a large number of government funds were located in a commercial bank as the form of financial accounts deposits, which should be kept in the State Treasury. After the implementation of deposit insurance, the state will tolerate or permit bad bank quit or bankrupt. Because the local government deposits which located in commercial banks were great amount, the funds secure would face the new risks, for that they almost were basically beyond the maximum amount of deposit insurance. As an important department for government cash management, the bank of State Treasury should pay more attention in the new risks and challenges existing in the whole government cash management, explore the new solutions actively. This will have important practical significance.