在利率市场化趋势下建立我国存款保险制度的研究

发布时间：2018-01-22 07:08

  本文关键词： 存款保险制度 利率市场化 商业银行 存款人 系统性风险　出处：《复旦大学》2013年硕士论文　论文类型：学位论文

【摘要】：近些年,我国利率市场化进程进一步加快。2013年6月下旬我国银行间隔夜拆借利率一度高达30%,个别商业银行出现同业业务违约嫌疑、ATM和网银系统故障等事件,商业银行流动性问题反映出的银行信用风险再一次被推到风头浪尖。而在利率市场化的过程中,商业银行传统依靠利差和简单运用杠杆放大的操作模式将受到冲击,业务结构和客户结构将发生转型,各家商业银行也将面临不同程度的利率竞争和市场化风险的挑战。目前由于我国实行隐性存款保险制度,即由国家和政府信用对商业银行的存款进行担保。在这样的情况下,一方面,央行的救助存在较大不确定性,发生危机后存款人无法预知央行进行救助的时间和采取的方案；另一方面,商业银行在无市场退出后顾之忧的情况下,对于风险的管理和控制力度不够,最明显的一点就是期限错配愈演愈烈。一旦商业银行因此发生破产危机将给整个金融体系和政府财政带来沉重的负担和不稳定因素。同时,2013年11月《中共中央关于全面深化改革若干重大问题的决定》中提出允许具备条件的民间资本设立中小型银行,我国的银行业将进一步对民营资本进行开放,大量新兴民营银行的建立将意味着银行不再是民众以往认为的“大而不倒”。从金融环境稳定和商业银行发展两方面都促使着我国尽快推出显性存款保险。本文从论述我国金融行业当前现状展开,分析了我国当前金融行业面临的主要问题,从而确定了建立显性存款保险制度是解决这些问题的重要方法之一。然后,本文从理论角度总结了存款保险制度的定义、分类和作用。在此基础上,对美国、德国和日本三个国家存款保险制度的发展历程和特点进行了阐述,并结合我国自身的国情,分析了这些国家存款保险制度对我国的启示。然后本文对我国当前建立显性存款保险制度的必要性和紧迫性进行了分析,并且基于我国存款结构,探讨了建立我国存款保险制度的基本理念,进而从制度框架设计和运行环境两方面提出了对我国建立存款保险制度的若干建议。最后,本文对我国建立存款保险制度进行了总结和展望。(中图分类号：F840)
[Abstract]:In recent years, our country interest rate market to further accelerate the.2013 in late June in China overnight bank lending rate was as high as 30%, individual commercial banks interbank business default suspects, ATM and online banking system failure events such as commercial bank liquidity problems reflect the credit risk of banks once again pushed to the forefront of the process. In the interest rate market, commercial banks rely on the spread of traditional and simple use of leverage mode of operation will be affected, the business structure and customer structure transformation will occur, commercial banks will also face interest rate risk of market competition and different degree of challenge. At present, due to the implicit deposit insurance system in our country, by the state and the government credit guarantees of commercial bank deposits. In this case, on the one hand, the central bank's assistance there is greater uncertainty, after the crisis of depositors The central bank can not predict the rescue time and take the program; on the other hand, the commercial banks in the market under the condition of no exit for the menace from the rear, the risk management and control efforts is not enough, the most obvious point is that the maturity mismatch intensified. Once the commercial banks' bankruptcy crisis therefore will give the entire financial system and the government finances heavy burden and unstable factors. At the same time, in November 2013 the "CPC Central Committee on deepening reform of the overall number of major issues in the decision > proposed allowing qualified private capital to set up small and medium banks, China's banking industry will further open to private capital, a large number of new private banks will establish means that the bank is no longer the past people think of the" too big to fail. "Two aspects from the development of financial stability and commercial banks have prompted China's deposit insurance as soon as possible. 鏈�鏂囦粠璁鸿堪鎴戝浗閲戣瀺琛屼笟褰撳墠鐜扮姸灞曞迹�

本文编号：1454036