【作者】 崔晓梅；

【导师】 杨水星；

【作者基本信息】 暨南大学 ， 国际贸易学， 2006， 硕士

【摘要】 现代存款保险制度产生于20世纪30年代的美国，是世界经济、金融危机的产物。它是金融安全网的重要组成部分，可以保护存款人利益，稳定社会公众信心，防范和化解银行恐慌，维护银行的整体安全。 近年来，随着我国经济改革和金融体制改革的不断深入，金融业风险日益暴露出来，同时随着我国加入WTO时承诺全面开放银行市场的日期临近，越来越多的外资银行涌入中国市场，对国内相对脆弱的银行业形成严峻挑战，在与高信誉的外资银行激烈竞争的过程中，在国家信誉正逐渐从国有商业银行淡出的进程中，如何建立和维持国有商业银行的商业信誉是一个亟待解决的问题。 论文的侧重点在于从国有商业银行的信誉，研究我国存款保险制度的实施。论文的前两部分阐述了存款保险制度的理论基础，通过国外存款保险制度的实践经验分析这一制度带来的正负效应；第三部分从当前国有商业银行的信誉特征入手，分析现有的政府对国有商业银行隐含担保的困境，提出应以商业信誉代替国家信誉；运用定性分析方法比较存款保险与隐含担保的成本收益，得出应在国家信用从国有商业银行淡出的过程中，建立存款保险制度的结论；论文的最后部分引入一个存款保险保障程度对银行信誉的影响模型，借用这一模型分析我国建立存款保险制度应注意的问题。更多还原

【Abstract】 Modern Deposit Insurance System(DIS) was originated in 1930s in the United States, resulting from the world economy and finance crisis. It was the major part of the Finance Security Network, aiming at protecting the depositors, stabilizing the social credit, avoiding and solving the banking panic, and maintaining the whole financial security.Recently, with the deepening of China’s economic and financial reform, more and more financial risks have been exposed. Moreover, China has committed itself to opening the whole banking market by 2007, which was promised when China entered WTO. With the day approaching, more and more foreign banks are swarming into China, greatly threatening China’s own banks. In the process of competing with the foreign banks with good reputation, it is urgent to resolve the problems of building and sustaining the stated-owned banks’ commercial reputation since the government’s reputation is fading out from the state-owned banks.This paper is, from a perspective of state-owned banks’ reputation, mainly concerned with the implement of the DIS in China. The first two parts expounds the basic theory of DIS and analyzes the positive and negative effects of DIS in the practice in other countries. In the third part, after analyzing the characteristics of the state-owned banks’ reputation, the author discusses the embarrassment from the present implicit deposit insurance supported by the government and puts forward the suggestion that government-based reputation should be replaced by the bank’s own reputation. Based on comparing the costs and benefits with the explicit and the implicit DIS, a conclusion is reached that explicit DIS should be established with the fading out of the government’s reputation from the stated-owned banks. In the last part of this paper, a model about the impact on the bank reputation from the degree of DIS’s guarantee is quoted to analyze major problems that should be noticed during the establishment of DIS in China.更多还原