对我国现今存款保险制度设计研讨.docVIP

对我国现今存款保险制度设计研讨 摘要：贷款趋同，是指 金融 机构信贷营销策略及贷款投向呈现相同的 发展 趋势。 目前 ，银行业金融机构在贷款营销中竞相投入国家产业政策扶持发展的行业，政策性银行、国有商业银行以及股份制银行都在积极地跟进大客户，搞同质性竞争，没有实现差异化发展，银行贷款趋同现象较为突出，应引起高度重视并采取相应措施防范可能出现的风险。 关键词：存款保险；保险制度；银行授信业务 Abstract: The convergence of loans, financial institutions, is the marketing of credit and loans into the show the same trends. At present, the banking financial institutions in the loan input marketing competing in the national industrial policy to support the development of the industry, policy banks, state-owned commercial banks, as well as joint-stock banks are active in the follow-up t