【作者】 齐亮；

【导师】 金秀；

【作者基本信息】 东北大学 ， 工商管理， 2009， 硕士

【摘要】 存款保险制度是一种金融保障制度,是指由符合条件的各类存款性金融机构集中起来建立一个保险机构,各存款机构作为投保人按一定存款比例向其缴纳保险费,建立存款保险准备金,当成员机构发生经营危机或面临破产倒闭时,存款保险机构向其提供财务救助或直接向存款人支付部分或全部存款,从而保护存款人利益,维护银行信用,稳定金融秩序的一种制度。1933年,存款保险制度首先在美国建立,迄今为止己有七十多年历史。在此期间,全球有近100个国家相继建立了存款保险制度。随着我国金融改革的深入,金融系统内包含的主体和以往相比已经发生了很大的变化,而且作为WTO成员,对各项承诺的兑现也对我国机构的金融决策产生了很大的影响,在这种环境下,来分析存款保险制度的建立有很强的实效性和客观性。在阅读了大量的相关文献后,本文从存款保险制度的理论基础入手,较为深入的探讨了当前国际上现行存款保险制度的利与弊,分析了该制度在保护公众合法利益、维护金融秩序稳定、提高金融监管水平等方面所发挥的积极作用,以及设计不好的存款保险制度所带来的道德风险和逆向选择。同时,对我国建立该制度的必要性和可行性进行了分析,对国际上现行制度存在的问题提出了有针对性的改进措施。最后,基于我国的实际情况,提出了构建有效存款保险制度的外部环境,以及在我国建立该制度的具体模式选择。更多还原

【Abstract】 Deposit insurance system is a financial security system refers to all types of deposits eligible financial institutions together to establish an insurance agency, the insured depository institutions, as a certain percentage of their deposits to pay insurance premiums, the establishment of a deposit insurance reserve fund, when the member agencies of operating a crisis or facing bankruptcy, the deposit insurance agency to provide financial assistance or directly to the depositors to pay part or all of the deposits, thereby protecting the interests of depositors, safeguard bank credit, to stabilize the financial order in a system.In1933, the deposit insurance system established first in the United States, so far there’s been a history of70years old. During this period, nearly100countries worldwide have established a deposit insurance system. Along with the deepening of China’s financial reform, core in the financial system has a great change than before, but also as a WTO member, to fulfill the commitments of financial institutions in China also had a great influence on the decision-making. Under this environment, to analyze the foundation of deposit insurance system has a strong effectiveness and objectivity.After reading much of related literature, the article discussed about the current international pros and cons of the deposit insurance system, made an analysis of the system’s positive effect in protecting the legitimate interests of the public, how to maintain financial order and stability to raise the level of financial supervision, as well as poorly designed deposit insurance system brought about by moral hazard and adverse selection. Meanwhile, analyzed China which has been establishing in the necessity and feasibility of the system, made some improvement of the current international system base on the existing problems. Finally, based on China’s actual situation, made proposes to build an effective deposit insurance system, the external environment, as well as the establishment of the system in our country specific mode selection.更多还原