存款保险早期纠正制度安排与基层央行实践探索

Deposit Insurance for Early Correction and the Practical Exploration of Grass-roots Central Banks

2015年5月1日《存款保险条例》施行(以下简称《条例》),我国存款保险制度正式建立。制度明确了我国存款保险具有早期纠正和风险处置的职能,五年来,我国存款保险制度逐步完善了风险识别、风险警示和早期纠正等功能,在“防范化解系统性金融风险”的背景下,不断完善该机制,实现对地方法人机构风险的“早发现、早介入、早处置”有积极意义。本文总结了近年来存款保险制度在我国的实施情况,探索研究存款保险实施后对地方法人机构存款保险早期纠正的经验,并提出相关建议。

The“Deposit Insurance Regulations”came into eff ect on May 1,2015,and China’s deposit insurance system was formally established.Deposit insurance clarifi es that my country’s deposit insurance has the functions of early correction and risk disposal,Over the past five years,China’s deposit insurance system has gradually improved the functions of risk identifi cation,risk warning and prompt corrective action.Against the background of"preventing and mitigating systemic fi nancial risks",it is of positive signifi cance to continuously improve the mechanism and realize the"early detection,early intervention,and early disposal"of local institutional risks.This article summarizes the implementation of the deposit insurance system in China in recent years,explores and studies the prompt corrective action experience of deposit insurance for local legal institutions after the implementation of deposit insurance,and makes relevant recommendations.