存款保险制度对地方中小金融机构的影响分析——以吉林省白山市为例

Analysis of the Im pact of Deposit Insurance System on Local Small and Medium Bank

2015年5月1日《存款保险条例》(以下称《条例》)施行,我国存款保险制度正式建立。三年来,存款保险制度完成了从单一费率制度到风险差别费率制度的过渡,逐步完善了风险识别、警示、早期纠正等功能,对保护存款人利益、促进银行业健康发展、防范和化解金融风险、维护金融稳定发挥了重要作用。本文总结了存款保险制度近年来在我国的实施情况,分析了存款保险实施后白山市地方法人金融机构出现的新情况、新变化,并提出相关建议。

The Deposit Insurance Regulations was published on March 31th, 2015 and came into effect on May 1st, 2015. Deposit insurance system plays an important role in protecting depositors, promoting the healthy development of the banking industry, preventing and defusing financial risks and maintaining financial stability. The paper summarizes the im-plementation of the deposit insurance system in China in recent years, analyzes the new situation of the banks after the im-plementation of the deposit insurance system and puts forward some suggestions.