存款保险制度与最后贷款人职能的协同机制研究——基于维护区域金融稳定的思考

The Research on the Coordination of Deposit Insurance System and Lender of Last Resort:Thinking Based on the Maintenance of Regional Financial Stability

本文从维护区域金融稳定的现实需求出发,梳理存款保险制度与最后贷款人职能的运用特点和实践差异,分析认为两者在问题机构的救助和处置方面有着不同的决策优势,需要在一定目标和原则下加强协同机制。在借鉴国际经验基础上,本文探索建立在不同时期,能够发挥两者协同作用的制度安排,并为完善金融风险防范和处置机制提出了相关政策建议。

This paper starts from the realistic needs of maintaining regional financial stability, and comparing to the charac- teristics and differences of deposit insurance system and lender of last resort. The analysis shows that they have different decision - making advantages in the rescue and disposal of the problem institution. It is necessary to strengthen coordination under certain goals and principles. On the basis of drawing lessons from domestic disposal and international experience, this paper explores the establishment of institutional arrangements that can play a coordinating role in different periods, and puts forward relevant policy recommendations to improve the financial risk prevention and disposal mechanism.