银行系统论文：存款保险制度风险与防范与我国存款保险制度的建立.doc

存款保险制度风险与防范与我国存款保险制度的建立 摘 要 存款保险制度对保障国家金融秩序的稳定和保护存款人利益有重要作用，但是其中也可能蕴含着保费缴纳风险、国际金融市场风险、银行经营风险和道德风险等。随着我国金融改革的不断深化，建立具有中国特色的存款保险制度已成为完善我国金融体制的战略性任务。在经济状况和金融体系稳定的条件下，建立良好的存款保险制度可以保护存款人的利益，防止银行“挤兑传染”，提高公众对金融体系的信任度，有利于金融机构的公平竞争。本文在结合国内外存款保险制度建立、运作等方面的研究资料的基础上，对国外存款保险制度运行风险进行了比较和系统分析，并结合世界范围内影响较大的金融危机发生过程中国外存款保险机构对待风险时的举措和改进，进而得到我国建立存款保险制度的启示。文章最后结合我国实际，提出了我国在建立存款保险制度和运作存款保险制度时应注意的风险防范措施。 关键词：存款保险制度 道德风险 风险防范 Abstract Deposit insurance system has an important role to safeguard the stability of the countrys financial order and protect the interests of depositors , but which may also contain a risk premium paid, the international financial market risks, risk of banks and moral hazard.With the deepening of financial reform, the establishment of a deposit insurance system with Chinese characteristics has become the perfectly strategic task of Chinas financial system.In the state of the stable economy and financial system building the deposit insurance system can protect the interests of depositors and prevent bank runs transmitted ，and increase public trust to the financial system.It is also good to fair competition in financial institutions. This paper is on the basis of deposit insurance system which comes from our country and the other country to compare and analysis the risk of deposit insurance and combined with a greater impact worldwide during the financial crisis.Chinas foreign depositsInsurance agency moves towards risk and improve, and further to the establishment of deposit insurance system in China.Finally, with the reality in China, puting forward in the establishment of deposit insurance system in China and the operation of the deposit insurance system should pay attention to risk prevention measures. Key words: Deposit insurance Moral hazard Risk prevention  目录 摘要 Ⅰ abstract Ⅱ 第一章 研究意义和研究背景 1 1.1 选题意义 1 1.2 研究背景 1 第二章 存款保险制度概述及其有效运行前提 2 2.1 存款保险制度概述 2 2.2 存款保险制度有效运行的前提条件 4 第三章 存款保险制度的风险及防范理论 5 3.1 存款保险制度风险的相关理论 5 3.2 存款保险制度风险防范