美国存款保险基金后备融资机制及对我国的启示

Reserve Financing Mechanism of American Deposit Insurance Fund and Its Enlightenment to China

存款保险条例实施以来,我国存款保险基金在保护存款人合法权益,维护金融稳定方面发挥了巨大作用。但存保基金在风险处置后如何快速恢复规模以继续应对风险,以及短期内如何快速扩大存款保险基金规模,成为目前急需解决的问题。本文在借鉴美国存款保险基金后备融资机制的基础上,比较全面地介绍了美国的主要做法,并针对我国存款保险基金补充机制现状,对建立完善我国存款保险基金后备融资制度提出针对性意见。

Since the implementation of the deposit insurance regulations,China's deposit insurance fund has played a great role in protecting the legitimate rights and interests of depositors and maintaining fi nancial stability.However,how to quickly restore the scale of the deposit insurance fund after risk disposal to continue to deal with the risk,and how to quickly expand the scale of the deposit insurance fund in the short term have become urgent problems to be solved.Based on the backup fi nancing mechanism of American Deposit Insurance Fund,this paper comprehensively introduces the main practices of the United States,and puts forward targeted suggestions on establishing and perfecting the backup fi nancing system of deposit insurance fund in China.