存款保险制度的辩证评价与中国的选择

An Analysis of Deposit Insurance System and China's Choice

完善的存款保险制度是金融监管专业化效率的基础条件之一。与以非正式制度形式客观存在着的政府储户之间的隐性保险合约相比较,在实现同样目标的前提下,作为正式制度存在的存款保险制度的运行成本更低,因此具有明显的比较优势。处于转轨与开放中的中国金融体系,应该建立作为正式制度的存款保险制度,以替代隐性存款保险合约。

A well - established deposit insurance system is one of the infrastructure conditions for the banking industry to develop an efficient governing and monitoring mechanism. Facing the increasing moral hazards in the industry, the deposit insurance regime has become a frequently disputed issue in terms of its financial supervision aspect. To understand the pros and cons of the deposit insurance system, author makes an institution based comparative analysis under a logical reference framework. The comparisons, between the government deposit insurance system and the depositor's informal insurance contract, have shown that the former claims a lower cost, though aiming at the same target, indicating an apparent competitive edge. The formal deposit insurance system, therefore, has its reason to be a substitute to the informal insurance contract. This is important for China, who features an open and transitional financial system.