存款保险制度对银行机构的影响——基于市场约束角度的实证分析

The Impact of Deposit Insurance System on Banking Institutions——An Empirical Analysis Based on Market Constraints

1931年,世界上第一个存款保险制度在美国诞生,之后越来越多的国家和地区陆续实施存款保险制度。2015年5月1日,《存款保险条例》颁布,我国存款保险制度正式建立,进一步完善了金融安全网,确立了市场化风险处置机制。与此同时,首次以立法的形式正式实施存款保险制度必然会对银行业造成一定的影响,本文从市场约束角度为研究视角,对现有研究理论和现状进行整理,从理论层面及运行机理角度阐述存款保险与市场约束的关系,并通过价格约束和数量约束两个渠道实证分析了市场约束的影响,最后提出完善健全我国存款保险制度的启示和建议。

In 1931, the world＇ s first deposit insurance system was born in the United States, after which more and more countries and regions successively implemented the deposit insurance system. On May 1, 2015, Deposit Insurance Ordinance was promulgated, and China＇ s deposit insurance system was formally established, further improving the financial safety net and establishing a market-oriented risk disposal mechanism. At the same time, that the deposit insurance system was formally implemented in the form of legislation for the first time will inevitably have a certain impact on the banking industry. From the perspective of market constraints as the research angle of view, the paper sorts out existing research theory and the status quo, expounds the relationship between deposit insurance and market constraint from the perspective of theory and operation mechanism, and analyzes the influence of market constraint through two channels of price constraint and quantity constraint. Finally, the paper puts forward the enlightenment and suggestion of improving China＇s deposit insurance system.