关于我国的建立存款保险制度思考.docVIP

内蒙古财经大学本科毕业论文 关于我国建立存款保险制度的思考 作 者 逄天泽 院 系 金融学院 专 业 保险学 年 级 2010级保险1班 学 号 102021106 指导教师 双龙 导师职称 讲师 内 容 提 要 存款保险制度具有稳定金融系统、保护存款人的利益与金融监管这三大功能。美国最早于1933年建立了存款保险制度，现如今全球已经有超过70个国家建立了符合本国国情的存款保险制度，存款保险制已经过历史的检验。存款保险制度相应的职能在防范金融风险与应对经济危机中越来越体现不可或缺的作用。目前我国经济飞速发展，与世界经济交流越来越深入，我国金融安全网由于缺少存款保险制度而体现的隐患也越来越明显。经过我国二十余年的充分准备，我国建立存款保险制度的时机已十分成熟。本文指出了我国建立存款保险制度的必要性以及我国建立存款保险制度面临的难题，证明了建立符合我国国情的存款保险制度十分有利于我国目前稳定金融体系，并对我国国民经济发展起到了一定促进作用，利国利民。因此建立符合我国国情的存款保险制度是我国经济发展的必然趋势。 关键词：存款保险制度 金融稳定 金融监管 Abstract Deposit insurance system is to stabilize the financial system, to protect the interests of depositors and the financial supervision of the three functions. USA at the earliest in 1933 established the deposit insurance system, now the world has more than 70 countries have established according to their own national deposit insurance system, The deposit insurance system, the corresponding functions in the prevention of financial risks and deal with the economic crisis is becoming more and more indispensable role. At present, Chinas rapid economic development, and the world economic exchanges more and more thorough, our countrys financial safety net because of the lack of deposit insurance system and the risk is becoming more and more obvious. After full preparation in China for more than twenty years, very ripe for the establishment of a deposit insurance system of our time. This paper points out the necessity of establishing deposit insurance system in China and the problem of establishing Chinese deposit insurance system faces, proved the establishment conforms to our country national deposit insurance system is conducive to the stability of the financial system in our country, and the development of Chinas national economy played a certain role in promoting, and. Therefore the establishment conforms