韩国信用合作社存款保障机制及对我国的启示

Deposit Guarantee Mechanism of Korean Credit Union and Its Enlightenment to China

韩国于1995年建立存款保险制度,鉴于信用合作社数量众多,承担的社会功能、职能定位、管理体制等与其他存款类金融机构相比存在差异,2004年信用合作社脱离了韩国存款保险体系,单独建立信用合作社存款保障机制。中国农村合作金融机构与韩国信用合作社存在相似性,且鉴于中国农村信用社改革处于推进过程中,韩国单独建立信用合作社存款保障机制的做法,对中国调整农合机构存款保障机制有参考意义。本文详细介绍了韩国信用合作社单独建立存款保障机制的原因、效果以及存款保障机制的框架,提出了中国农村合作金融机构单独建立存款保障机制的必要性及建议。

In 1995,South Korea established a deposit insurance system.In view of the large number of credit unions and their differences in social functions,functional positioning and management system compared with other deposit financial institutions,credit unions were removed from the deposit insured mechanism in 2004,and the Central Committee of credit unions established a deposit guarantee mechanism by itself.The reform of China’s rural credit unions has been further promoted,and there are similarities between China’s rural cooperative financial institutions and South Korea’s credit unions.In view of the continuous reform of China’s rural credit unions,South Korea’s practice of establishing a separate deposit guarantee mechanism of credit unions has reference significance for China to adjust the deposit guarantee mechanism of rural cooperative institutions.This paper introduces in detail the reasons why Korean credit cooperatives establish a separate deposit guarantee mechanism and the framework of the deposit guarantee mechanism,and puts forward the necessity and suggestions for China’s rural cooperative financial institutions to establish a separate deposit guarantee mechanism.