【作者】 佘桂荣；

【导师】 张强；

【作者基本信息】 湖南大学 ， 金融学， 2007， 硕士

【摘要】 如何构建我国存款保险制度是进入新世纪以来我国学术理论界十分关注的热点课题,而最近三年来中央银行对于建立存款保险制度的一系列实际运作更是使这一课题从理论研究正式步入实践操作层面。构建我国存款保险制度,既要深刻认识我国当前存在隐性存款保险这一客观事实,又要借鉴国际存款保险运行状况及成功经验,尤其需要引入国际银行监管的新理念——市场约束来改进存款保险的制度设计。以市场约束与存款保险的联系这一新视角来探讨我国存款保险制度构建问题,具有理论依据及现实意义。在对存款保险及市场约束的内涵作理论界定之后,用模型分析了两者的联系,明确了存款保险尤其是隐性存款保险所产生的道德风险会减弱市场约束,必须引入市场约束对存款保险制度设计进行改进的理论认识。由于我国一直以来实行的是国家担保为特征的隐性存款保险制度,通过对我国银行业市场约束力的实证研究,揭示了隐性存款保险对我国银行业市场约束机制形成的制约作用,进一步验证了上述理论认识的正确性。当前,全球各国新建或者改进存款保险的制度设计时都不约而同强调市场约束,我国应该吸取上述改革的宝贵经验,摒弃现有的隐性存款保险,在完善存款保险运行外部支持系统的基础上,从存款保险组织形式、保险基金建立、保险实施程度及保险费率设置等对存款保险制度设计特征进行优化选择,以期建立既反映我国实际又紧随国际先进理念的显性存款保险制度,从而在实现金融稳定发展的同时增强我国银行业市场约束力。更多还原

【Abstract】 How to construct deposit insurance system is a hot topic that is drawn extremely attention by China’s academic theorists since the new century, whereas in the last three years, a series of actual operation adopted by Central bank makes this topic officially progress from fundamental research to the practical operation in relation to the establishment of the deposit insurance system.Constructing China’s deposit insurance system ,we should not only recognize the fact that the existence of the implicit deposit insurance in our country but also learn from the operational condition and successful experiment about the international deposit insurance especially bring in the new concept of International bank supervising—market discipline to improve the design of deposit insurance. New angle of view according to the relationship between market discipline and deposit insurance enjoys the theoretical basis and practical significance to the construction of China’s deposit insurance system.After demarcating the deposit insurance and the market discipline, then analyses the relationships between them, explicates the moral risk caused by deposit insurance especially implicit deposit insurance could weaken the market discipline. Therefore we should bring in market discipline to reform the deposit insurance system. We have adopted the implicit deposit insurance system guaranteed by authority continuously. From the diagnosis research of China’s banking industry market discipline; we could realize the restriction function that implicit deposit insurance poses to banking market, which convinced the correctness of the theory, mentioned above further.Nowadays, the market discipline is emphasized by various countries when newly building or improving the deposit insurance system. China should absorb the precious experience from the reform above; abandon the existing implicit deposit insurance system. On the basis of consummating the outside supporting system of deposit insurance, carry on the optimized choice about deposit insurance system designed characteristic from the deposit insurance organization form, the establishment of insurance funds, the implementation degree of the insurance, the establishment of premium rate and so on. On the purpose of establishing the explicit deposit insurance system which reflects both our country’s actual situations and the advanced ideas parallel to the outside world, thus in realization of the financial stable development simultaneously enhancement our country’s banking industry binding force.更多还原