建立存款保险制度的问题和对策

The Problems and Countermeasures of Establishing the Deposit Insurance System

存款保险制度是一种有效的保障金融机构和存款人利益的金融保障制度,随着美国首次发布存款保障制度,世界各个国家相继建立自己的存款保障制度。近年来,由于隐性存款保障制度已经无法满足我国的金融发展,所以我国也开始建立存款保险制度。本文通过分析前人的研究,立足于我国特殊的情况,从存款保险制度的发展背景开始一步步探讨在我国建立存款保险制度的相关问题。采用许多研究方法,比如:文献研究法、归纳与演绎法等,通过研究过国外发达国家存款保险制度来解决我国所面对的问题。根据实际情况找出我国《存款保险条例》中的不足之处,结合美国以及国际经验从内部机制设计和外部制度支撑两个方面提出中国存款保险制度建立的相应对策。

The deposit insurance system is an effective financial security system that protects the interests of financial institutions and depositors. With the first release of the deposit protection system in the United States, various countries around the world have successively established their own deposit protection systems. In recent years, because the implicit deposit protection system has been unable to meet my country’s financial development, my country has also begun to establish a deposit insurance system. By analyzing previous research, this article is based on the special circumstances of our country, starting from the development background of the deposit insurance system and exploring the related issues of establishing a deposit insurance system in our country step by step. Many research methods are used, such as literature research method, induction and deduction method, etc., to solve the problems faced by our country by studying the deposit insurance system of foreign developed countries. Find out the deficiencies in my country’s “Deposit Insurance Regulations” based on the actual situation, and propose corresponding countermeasures for the establishment of China’s deposit insurance system from two aspects: Internal mechanism design and external system support based on U.S. and international experience.