利率市场化前景下我国构建显性存款保险制度的问题研究-金融专业论文.docxVIP

I I 摘 要 随着我国市场经济体制的逐步完善和金融自由化进程的深入，尤其伴随着 利率市场化的逐步推进，金融业的竞争日益激烈，经营风险也与日俱增。而银 行作为金融业的核心，在利率市场化前景下，更应强调其安全性。作为金融安 全网的三大支柱之一的存款保险制度被认为有助于稳定存款者的信心，防止悲 观预期转化为银行挤兑风险，有效控制银行挤兑风波的扩散，防止局部性风险 演变为系统性风险。 存款保险制度有隐性和显性之分，显性存款保险是指存款类金融机构，按 照所吸收公众存款的一定比例，向特定的保险机构缴纳一定的保险金，当投保 存款机构出现支付危机、破产倒闭或者其他经营危机时，由特定的保险机构通 过资金援助、赔偿保险金等方式，保证其清偿能力并对其进行处置，以保护中 小存款人利益、维护金融体系安全与稳定的一种制度。 本文通过对显性存款保险制度现存理论资料的整理分析，探究建立这一制 度的必要性及深远意义；并比较分析多个国家存款保险制度，借鉴存款保险制 度发展较为完善的国家和地区的成熟经验。在此基础上结合我国利率市场化前 景，提出构建符合中国国情的显性存款保险制度具体设想。为我国存款保险制 度的构建提供政策建议。 关键词：显性存款保险制度，利率市场化，制度构建 II II Abstract With the development of market economy and especially in the prospect of interest rate liberalization, banking industry is facing stronger competition and higher operational risks. Deposit insurance system is supposed to be one of three parts which together make up of financial safety net. Because it has functions such as stabilizing depositors’ confidence, preventing the pessimistic expectations into bank runs, and decreasing the possibility of systematic risk. Explicit insurance system is designed to protect depositors, especially the ones with relatively less savings. Under such system, banks pay for insurance premium according to their deposit in advance, and the deposit insurance institution help with the payment once these banks run out of liquidity or facing other problems. In other words, explicit insurance system is beneficial for the stability of the financial market. This paper has studied the explicit deposit insurance systems in foreign countries and regions firstly. Then, it analyzed and compared the difference between them. On the basis of wide reading and deep analysis, the paper has put forward with a complete and reasonable program: the construction of explicit insurance system in China. During the design of the program, we should take the fact of interest rate liberalization in to account. Key words: Explicit Insurance System, Interest Rate Liberalization, Construction of the System PAGE PAGE III 目录 第 1 章 绪论