创建存款保险风险评估预警机制相关问题研究——基于宁夏地方法人金融机构风险早期预警

The Study on Issues of Creating Deposit Insurance Risk Assessment Early Warning Mechanism——Based on the Risk Early Warning of Ningxia's Local Corporate Financial Institutions

建立存款保险风险评估预警机制,对银行机构资本安全及管理进行事前督导,可以实现对问题机构的早期纠正,对金融风险做到"早预警"、"早处置"。本文提出了建立宁夏地方法人金融机构存款保险风险评估预警机制的构成、指标体系、权重及区间。并结合工作实际,对宁夏部分地方法人金融机构存款保险风险评估预警机制进行了实证分析,得出建立宁夏地方法人金融机构存款保险风险评估预警机制的启示和相关经验。

Establishing the deposit insurance risk assessment early warning mechanism to supervise and direct the capital safety and management of banking institutions in advance may realize the early correction of institutions with problems in the earlier period,and may realize ＂ early-warning＂ and ＂ early-disposition＂ of financial risks. The paper proposes the constitution,indicators system,weight and scope of deposit insurance risk assessment early warning mechanism of Ningxia＇s local corporate financial institutions. Combined with the practices,the paper empirically analyzes the deposit insurance risk assessment early warning mechanism of some local corporate financial institutions in Ningxia, thus gets relevant experiences and enlightenment about establishing the deposit insurance risk assessment early warning system of Ningxia ＇ s local corporate financial institutions.