摘要
日本实施存款限额保护措施所遇到的困难以至最终延期表明,存款保险制度是在一国金融体系整体状况良好的情况下,发挥约束银行经营行为和淘汰劣质银行作用的一种制度。只有在金融监管有效运行的情况下,存款保险制度才能切实发挥其功能。而且,它要求市场信息的高度透明和国民高水平的伦理素质。结合金融领域的实际情况,我国建立存款保险制度的时机尚未成熟。
The difficulties of 'pay off' in Japan and its delay express that, only the finance system of a country as a whole is good, deposit insurance system give full scope to sift out the bad bank. Only financial supervision is effective, the deposit insurance system perform an important function. Otherwise, the transparent market information and high level citizen ethics is necessary for it. According to the fact of finance field in China, it is not the time to establish deposit insurance system.
出处
《经济理论与经济管理》
CSSCI
北大核心
2004年第2期60-65,共6页
Economic Theory and Business Management
