我国建立存保险制度的必要性研究.doc

摘　　要 随着经济全球化迅速发展我国金融市场不断开放我国长期实行的隐性存款保险制度越来越显示出局限性转轨时期我国存款保险制度从“全额赔付的隐性存款保险制度”向“有限赔的显性存款保险制度”转变尽快建立符合市场化改革要求的存款保险制度已是我国金融业亟待解决的问题我国建立存款保险制度的必要性与可行性分析 Abstract With the rapid development of economic globalization and Chinas financial markets, as a transitional continuously open type of developing countries, Chinas financial system has many insufficiencies and defects of state-owned assets, four bank business, large higher risk of non-performing loans, bad credits in bank credit occupies a large proportion of the elite, security and bank crisis weakened the competitiveness of Chinas financial institution in the financial markets, and makes the process of the development of disadvantaged. Open locked and the WTO, foreign Banks will make the influx of financial institutions, the more competitive before a lack of competition of the small and medium sized financial institutions will face went bankrupt and exit the market risk. Our long-term practice of implicit deposit insurance system, and shows its limitations in the transition period in China, how to deposit insurance system from the full compensation of implicit deposit insurance system to limited compensation explicit deposit insurance system, to establish the requirement with marketization reform, bank deposit insurance system, how to protect the interests of depositors, and maintain bank credit system is Chinas financial stability, the main problem urgently to be solved. At the same time, the international experience shows that the establishment of a deposit insurance system can protect the interests of depositors, maintain financial stability, and the countrys recessive guarantee assure, helps to dominant market exit teams of financial institutions. Therefore, the display conditions and objective conditions require bank system as soon as possible to establish the deposit insurance system. This paper will accelerate the establishment of financial crisis period after the significance of deposit insurance system i