存款保险制度:功在当下,利在长远

Deposit Insurance System: Present Work, Long Run Benefits

存款保险制度是一国或地区为了维护金融稳定、保护弱小存款人的一种制度选择。我国于2014年11月30日公布了《存款保险条例(征求意见稿)》,标志着我国的存款保险制度即将正式出台。显性存款保险制度的推出将进一步推进我国利率市场化改革,有利于完善国家金融安全网体系,有利于降低银行业系统性风险从而更好地保障银行业的健康稳定和存款人的利益。本文认为,强制的、限额的、差别费率的存款保险制度更适合我国现阶段国情,存款保险制度应配合央行一定程度上落实宏观审慎监管。

Deposit insurance is a measure implemented in many countries to protect bank depositors, in full or in part, from losses caused by a bank's inability to pay its debts when due. Deposit insurance system breaks depositor's rigid payment and bank-will- never-fall's expectation and it is good for improving China's financial safety net and safeguarding banking sector's stability and depositors' safety. The article holds that mandatory, quota-limited and differential rate deposit insurance system is more appropriate under current China's national condition, and deposit insurance system should be in line with People's Bank of China's macro-prudential regulation.