存款保险在促进农村金融发展中的作用.ppt

存款保险在促进农村金融发展中的作用 The Role of Deposit Insurance on Promoting Development of Rural finance 颜海波 Yan Haibo 中国人民银行 金融稳定局 The People’s bank of China Financial Stability Bureau MAY 22th 2008 中国政府十分重视维护金融稳定和保护存款人权益问题 Chinese Government Highlights the issues of depositor protection and financial stability 1993年《国务院关于金融体制改革的决定》指出“要建立存款保险基金，保障社会公众利益”。 It was stated in “State Council’s decision on Financial Regime Reform” of 1993 that the deposit insurance fund should be established to protect public interests. 1997年召开的全国金融工作会议就明确提出要“逐步建立城乡信用社存款保险制度” It was stated in National Finance Working Conference of 1997 that the deposit insurance scheme should be established gradually. 2007年召开的全国金融工作会议提出要加快建立存款保险制度， It was stated in 2007 National Finance Working Conference that the deposit insurance system construction in China should be accelerated. 存款保险制度的基本功能The Basic Functions of Deposit Insurance System 增强存款人对金融体系的信心，防止银行挤兑，维护金融稳定 Strengthen depositors’ confidence in financial system, prevent bank runs and maintain financial stability 促进市场监督，降低受保机构的经营风险，促进金融机构健康发展 Promote market discipline, reduce the risks of insured institutions and promote the healthy operation of financial institutions 促进受保机构间公平竞争，提高经营效率，提升受保金融机构的市场竞争力 Promote the fair competition among insured institutions, enhance operational efficiency, lift the competitiveness of insured institutions 有助于完善市场退出机制，确保金融市场良性循环，健康发展 Helpful to improve market-exit mechanism, ensure the benign cycle of financial market and the market’s healthy development 存款保险制度通过促进农村金融机构发展将有利于农村地区经济的发展Deposit Insurance System is helpful for the development of rural areas by promoting rural financial institutions’ development 中国服务于农村地区的金融机构除中国农业银行、农业发展银行和中国邮政储蓄银行外，还是主要是以中小金融机构为主体。截止到2007年年底，我国共有农村商业银行17家，农村合作银行113家，农村信用社8348家，村镇银行19家，贷款公司4家，农村资金互助社8家。 Most Chinese rural financial institutions were middle or small sized although we do have several large rural financial institutions like Agricultural Bank of China, China Agricultu