基于城市商业银行视角的存款保险制度影响研究

The Study onthe Influence of Deposit Insurance System for CityCommercial Banks

城市商业银行作为我国银行业金融机构中重要的组成部分,在我国存款保险制度实施的大环境下面临着巨大的发展机遇与挑战。本文通过对存款保险制度下我国城市商业银行的发展现状以及存款保险制度对我国商业银行的影响进行研究,从调整负债结构、推动战略转型和加强内部控制三个方面给我国城市商业银行提出切实可行的应对措施。

City commercial bank as an important part of banking financial institutions in our country,under the circumstances of the implementation of the deposit insurance system in China is faced with huge development opportunities and challenges.This article through to the deposit insurance system of our country city commercial banks development present situation and the influence of deposit insurance system of our country commercial bank,from adjust liabilities structure,promote the strategic transformation and strengdiening internal control three aspects to our country city commercial bank put forward feasible measures.