我国现阶段存款保险的若干问题研究.docVIP

PAGE PAGE 27 我国现阶段存款保险的若干问题研究 摘要：存款保险制度从20世纪30年代发展以来，在保护存款人利益，维护金融体系稳定等方面都拥有着非常重要的作用，逐渐成为各个国家不可替代的金融防范机制。我国在很早之前也一直在研究存款保险制度，到2015年5月1日才正式出台《存款保险条例》，让其正式出现我国的法律条案上。之前，我国一直采取的是隐形存款保险，虽然在很多时候能保护存款人利益，但是相关的代价都是转嫁到了国家身上，这对于维护金融体系的稳定是非常不利的。现在，我国的存款保险由隐形存款保险转变为显性存款保险，这有利于消除隐形存款保险的弊端。当然，在转变的过程中，我们也会遇到许多的问题。因为任何制度的产生都有弊端和益处，存款保险制度当然也不例外，再则是我们不可能一下子消除原先隐形存款保险的弊端，只能通过各项对策来逐步消除。 文章主要分为四块内容，分别从存款保险制度的概念和发展现状，其必要性，制度带来的问题以及相关的建议及对策等方面对存款保险制度做了大致的讲述。我国的存款保险制度已经变为显性存款保险，各项方针政策也致力于完善存款保险，使得存款保险制度能带给我们更多有利于国家的好处。针对我国的国情，我们也需要结合国外的一些经验教训，制定出符合我国的存款保险模式，更好地保护存款人利益和维护金融体系的稳定。 关键词：存款保险制度存款人利益道德风险保险费率 Several studies of the deposit insurance at the present stage in China Abstract: Deposit insurance system from the development since the 1930 s, in protect the interests of depositors, to stabilize the financial system has a very important role in such aspects as, become each country irreplaceable financial prevention mechanism. Before long in our country has also been studying the deposit insurance system, to May 1, 2015 formally launched the deposit insurance regulations, make its formal appeared in our countrys law on a long narrow table. Before, that have been taken is invisible deposit insurance in our country, although in many cases to protect the interests of depositors, but related costs are passed on to the country, this is very adverse to maintain the stability of the financial system. Now, our countrys deposit insurance by stealth deposit insurance into dominant deposit insurance, which is beneficial to eliminate the disadvantages of stealth deposit insurance. In the process of change, of course, we will encounter many problems. Because any system has benefits and drawbacks, the formation of the deposit insurance system is no exception, of course, moreover is we cant suddenly eliminate the disadvantages of original contact deposit insurance, can only through various measures to gradually eliminate . Article mainly divides into four pieces of content, respectively from the con