我国利率市场化进程中存款保险制度的推进

On the Advancement of Deposit Insurance System in the Process Of Interest Rate Liberalization

近年来,我国利率市场化改革取得了稳步推进和深入发展。但是,在存款保险制度中的利率传导机制不够畅通,市场基准利率体制仍不完善等问题也日益显现。为此,在发展适合我国国情的存款保险制度的基础上,应加强与其他监管部门的协调合作;加快推进存款保险相关立法工作;加快银行转型,扩大非信贷资产和非贷款利差收益。

In recent years, China＇s reform of interest rate liberalization has achieved steady and deep development. This paper analyzes the disadvantages of the deposit insurance system such as imperfect transmission mech anism and market benchmark interest rate mechanism. On the basis of developing interest rate liberalization which is suitable for China＇s national condition, it also puts forward to strengthen cooperation with other regulatory authorities, speed up the legislation of deposit insurance, speed up the transformation of banks and expand the income of non-credit assets and non-loan interest.