金融体制改革视角下我国存款保险制度的构建

发布时间：2018-03-07 06:08

本文选题：金融体制改革　切入点：金融危机　出处：《长安大学》2013年硕士论文　论文类型：学位论文

【摘要】：金融业是现代经济的核心，银行又是金融业的核心。银行业的稳定对现代经济的发展有着重要的作用，而银行负债经营的特点造成其内在风险性，银行危机容易诱发系统性的金融危机，，甚至导致整体经济的衰退。构建存款保险制度以确保银行业安全是金融体制改革的主要内容之一。本文所述的存款保险制度仅指显性存款保险制度。本文由绪论和第一至第四部分正文构成：绪论部分介绍了研究背景和意义、研究现状、研究内容及创新点、研究思路和方法，为全文的引入部分。正文第一部分，通过对金融体制改革和存款保险制度的界定，得出两者间的关系：构建存款保险制度是其重要内容，构建存款保险制度是深化我国金融体制改革的必然要求，金融体制改革为存款保险制度提供了宏观的发展方向。通过分析我国金融体制改革历程，得出其改革方式以“渐进”为主，“激进”为辅，其改革趋势为金融市场自由化、银行利率市场化、金融机构经营混业化。金融体制改革的方式与趋势决定着构建存款保险制度的方式与趋势。正文第二部分，分析了我国构建存款保险制度所面临的三大问题：第一，一般而言存款保险制度仅指显性存款保险制度，广义上则还包括隐性存款保险制度。我国隐性保险制度是改革开放初期的产物，随着金融体制改革的不断深入，其弊端日益显露，已不能适应逐渐市场化的金融体系；第二，相关制度不完善影响存款保险制度的有效运行：金融安全网不健全、银行市场退出机制缺失以及信息披露制度欠缺；第三，银行业结构失衡使投保主体缺乏参保积极性。正文第三部分，从三个维度对国外存款保险制度进行比较，总结国外存款保险制度的经验与教训，为我国存款保险制度的制定提供有益的借鉴。第一，从金融体制改革阶段的视角，分析存款保险制度在不同金融体制改革时期的特点，得出在一些国家中金融体制激进式改革是对金融危机的应激反应，存款保险制度由此而生，而其他国家则借鉴前者的经验和教训，通过对金融体制的渐进式改革，确立符合本国国情的存款保险制度来防范金融危机，并取得了较好的效果；第二，从法律制度视角，比较分析国外存款保险法律制度，得出其随着金融体制改革历程而不断发展，并产生了国际规范；第三，从发展趋势视角，对比各国存款保险制度的变化，总结存款保险制度的发展趋势。正文第四部分，在前文论述的基础上认为：第一，我国已具备构建存款保险制度的现实条件：宏观经济环境良好，银行业改革初见成效，金融法律规范日渐完善；第二，要将我国隐性存款保险制度显性化，最有效的途径就是立法，制定《存款保险法》规范存款保险制度是构建存款保险制度的首要步骤；第三，完善相关制度以辅助存款保险制度的有效运行，其中包括健全我国金融安全网、完善银行市场退出机制、完善信息披露制度；第四，优化银行业结构，不仅可以繁荣银行市场，提升银行竞争力，而且能促进存款保险制度的有效运行。本文采用了经济分析法、历史分析法、实证分析法等多种研究方法，在金融体制改革视角下，以存款保险制度为研究对象，针对构建我国存款保险制度中所面临的问题，借鉴国外成功经验和吸取其教训，结合我国的具体国情，提出符合我国国情的存款保险制度框架构想。存款保险制度是构成现代金融安全网的基本要素之一，是我国金融体制改革的重要内容，一套设计良好的存款保险制度将能有效防范银行危机，维护金融稳定，深化金融体制改革，促进我国社会主义市场经济建设。
[Abstract]:The financial industry is the core of modern economy, the bank is the core of the financial industry. It plays an important role in the stability of the banking industry on the development of modern economy, and the bank debt management features caused by the inherent risks of the banking crisis, are likely to cause systemic financial crisis, and even lead to the decline of the economy. The construction of deposit insurance system in order to ensure the safety of banking industry is one of the main contents of the reform of the financial system. The deposit insurance system only refers to the explicit deposit insurance system.
This article consists of the introduction and the first and fourth parts of the text.
The introduction part introduces the research background and significance, the research status, the research content and the innovation point, the research ideas and methods, which is the introduction part of the full text.
In the first part, through the definition of the reform of the financial system and the deposit insurance system, the relationship between the two: the construction of deposit insurance system is the important content of the construction of deposit insurance system is the inevitable requirement of deepening the reform of financial system in China, the reform of the financial system to provide direction for the macroscopic deposit insurance system through the analysis of the reform process. China's financial system reform, the way to "progressive", "radical" as a supplement, the reform trend of financial market liberalization, the bank interest rate market, financial institutions mixed operation. The reform of the financial system and determines the trend of the construction of deposit insurance system mode and trend.
The second part analyzes three major problems facing the construction of deposit insurance system in China: first, generally only refers to the deposit insurance system, deposit insurance system, it also includes the generalized implicit deposit insurance system in our country. The implicit insurance system is a product of the reform and opening up, with the deepening of financial system reform, the the increasing shortcomings, has been unable to meet the increasingly market-oriented financial system; second, the effective operation of the relevant system is imperfect, the impact of the deposit insurance system, financial safety net is not perfect, the lack of exit system and information disclosure mechanism to the banking market; third, the banking structure imbalance that the insured subject lack insured enthusiasm.
In the third part, from the comparison of foreign deposit insurance system of the three dimensions, summarize the experience and lessons of foreign deposit insurance system, provide useful lessons for the development of deposit insurance system in China. First, from the stage of the reform of the financial system perspective, analysis of the characteristics of the deposit insurance system in the reform of the financial system in different period, the some countries in the financial system reform is the radical stress response to the financial crisis, the deposit insurance system which, while others learn from the experience and lessons learned, through the gradual reform of the financial system, with the establishment of its national deposit insurance system to prevent financial crisis, and has achieved good results; second and from the perspective of legal system, comparative analysis of the deposit insurance legal system abroad, the course of the reform of the financial system and the continuous development, and international norms; Third, from the perspective of development trend, compare the changes in the deposit insurance system in various countries, and summarize the development trend of the deposit insurance system.
The fourth part of the text, that on the basis of the above discussion: first, our country has the realistic condition of the construction of deposit insurance system: a good macroeconomic environment, the banking reform results, financial laws and regulations increasingly perfect; second, the implicit deposit insurance system in China is dominant, the most effective way is the legislation. Establish deposit insurance law > < code of deposit insurance system is the first step in the construction of deposit insurance system; third, improve the relevant system to assist the effective operation of the deposit insurance system, including a sound financial safety net in China, improve the banking market exit mechanism, improve the information disclosure system; fourth, optimize the structure of the banking sector, banks can not only prosperity the market, to enhance the competitiveness of the bank, but also can promote the effective operation of the deposit insurance system.
This paper adopts the method of economic analysis, historical analysis, empirical analysis and other methods, in view of the reform of the financial system, the deposit insurance system as the research object, aiming at the construction of facing the deposit insurance system in China, foreign successful experiences and lessons, combined with China's specific national conditions, put forward according to the situation of our country deposit insurance system framework. The system of deposit insurance is one of the basic elements of financial safety net, is an important part of China's financial system reform, a good design of the deposit insurance system will be able to effectively prevent the banking crisis, maintain financial stability, deepening the reform of the financial system, promoting China's socialist the construction of market economy.

【学位授予单位】：长安大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.281

【引证文献】