中国存款保险基金影响变量控制与目标比率测算

存款保险基金制度是为保障储户利益设置的政府安全网重要形式之一,可以有效抑制银行挤兑和金融恐慌。国际银行业危机经验表明,如果没有任何恢复公众信心的保险安排,金融恐慌就会变成现实。由于新兴市场国家的存款保险基金制度存在缺陷,所以更需要根据赔付标准构建目标比率的理想区间。本文在对目标比率影响变量进行解构的基础上,通过构建R值均衡模型对我国现行存款保险基金目标比率进行测算,最终测算结果符合国际投保辖区运营经验且具有可行性。

Deposit insurance fund system is one of the important forms of government safety net set to protect the interests of depositors. It can effectively restrain bank runs and financial panic. The experience of international banking crisis shows that if there is no insurance arrangement to restore public confidence, panic will become a reality. However, the deposit insurance fund of emerging market countries is often established in the defective insurance system, so it is more necessary to construct the ideal range of target ratio according to the compensation standards. On the basis of deconstructing the influencing variables of the target ratio, this paper calculates the current target ratio of China’s deposit insurance fund by constructing an R-value equilibrium model. The final calculation results are in line with the operation experience of international insurance jurisdictions and are feasible.