论我国存款保险制度的构建-经济法学专业论文.docxVIP

论我国存款保险制度的构建摘要 论我国存款保险制度的构建 摘要 | l存款保险制度首创于20世纪30年代的美国，随后有许多国家都 创建了该制度。到目前为止，全世界已有70个国家和地区建立了存款 保险制度。存款保险制度的建立，对各国保护存款人的利益、维护金 融体系的稳定发挥了极为重要的作用，已成为各国防范、化解金融风 险的重要一环。经过多年的改革，我国金融业获得了较大的发展，取 得了不小的成就。但是，我国金融业的发展还处在较低的层次，金融 效率没有得到大的提高，而且金融机构在发展的过程中积累了巨大的 风险，时刻威胁着我国金融体系的安全与稳定。因此，为了保证我国 金融业能够进一步健康、稳定的发展，必须建立起我国的存款保险制 度。’， 本文在结构上共分为四章：第一章对存款保险制度的基本框架、 功能以及负面影响等进行了论述；第二章从现实入手，分析了我国建 立存款保险制度的必要性及可行性；第三章对国外存款保险制度的实 践进行了考察，并在此基础上得出了一些有益的启示；第四章结合我 国国情，论述了构建我国存款保险制度的总体思路，并对我国存款保 险机构的设置、职能定位和存款保险机构的基本业务及其运作方式进 行了探索。文章在论述过程中，借助于信息经济学、保险学、货币银 行学以及其他相关的经济金融理论，运用规范与实证分析相结合、归 纳与演绎相结合、动态与静态相结合、定性与定量分析相结合的方法， 对我国存款保险制度的构建进行了系统的分析和论证。 关键词：存款保睦耐≤道德赢彭7二融机福7金融《 ON ON CONSTRUCTION OF DEPOSIT INSUI己ANCE SYSTEM IN OUR COUNTRY ABSTI硷CT Deposit Insurance System was first established by the us in 1930s，and since then，it has been adopted by so many countries in the world．Up to now，there are 70 countries and territories which have established the system． Deposit Insurance System can protect deposits of people，and then keep a stable banking system．So Deposit Insurance System has become an important part of defending and transferring financial risks for a country．After so many years’reform，our finance industry have made great progress，but the development level is very low，and Chinese banks are facing great financial risks which possibly destroy the stable banking system of China．So，in order to make Chinese finance industry develop more greatly．China must establish Deposit Insurance System with Chinese characteristics． This thesis is composed of four chapters．The first analyzes the overall framework，functions and defects of Deposit Insurance System：The second analyzes the necessity and feasibility of establishing Chinese Deposit Insurance System：The third studies the Depojit Insurance Systems of foreign countries，and conclude some useful enlightenments to our country from the study；The four draws up the general steps of establishing Chinese Deposit Insurance System，and attempts to design Chinese Dep