全国统一存款保险制度建设研究

发布时间：2018-04-20 23:20

本文选题：存款保险制度 + 制度建设　；参考：《西北农林科技大学》2012年硕士论文

【摘要】：近年来，世界上相继爆发的一系列金融危机给全球金融市场带来了新的机遇与挑战。金融体系的稳定既关系到国家的经济发展，又影响到国家的经济安全与金融主权。随着我国金融领域开放程度日益提升，金融风险因素日益复杂，在我国不断深化金融体制改革的进程中，，同银行监管以及中央银行最后贷款人一起被并称为金融安全网的三大支柱之一的存款保险制度也受到了学界和政界的聚焦和关注，适时建立我国的存款保险制度显得尤为必要和紧迫。本文正是从理论发展和现实需要的这种需求出发，首先分析了存款保险制度的概念发展、主要内容及相关理论，并在对国内外已有文献的综述基础上，对我国建设存款保险制度的必要性和现实条件进行了阐述，得出了应尽早建立符合我国国情的存款保险制度的结论。随后又结合我国银行业发展现状与潜在危机分析和我国存款保险制度建设中存在的问题，并通过借鉴国外存款保险制度发展中的成功经验和启示，对已有的存款保险设计方案各个方面的不同进行比较分析，提出了建立我国存款保险制度的基本思路和构想框架，详细阐述了构建我国存款保险制度的内容模块，并进行了建立全国统一的存款保险制度的可行性分析。最后针对存款保险制度有可能引发的道德风险问题提出了几点控制措施和重要认识。论文研究结论：（1）依据我国建设存款保险制度的必要性和现实条件，借鉴国外存款保险制度的成功经验，设计了我国存款保险制度的建设思路和总体架构，构建我国存款保险制度七大内容模块；（2）提出了控制我国存款保险制度道德风险的三项措施和存款保险制度建设的两点重要认识。
[Abstract]:In recent years, a series of financial crises in the world have brought new opportunities and challenges to the global financial market. The stability of financial system is not only related to national economic development, but also to national economic security and financial sovereignty. With the increasing openness of the financial sector and the increasing complexity of financial risk factors in China, in the process of deepening the reform of the financial system, Together with bank supervision and the central bank's lender of last resort, the deposit insurance system, which is called one of the three pillars of the financial safety net, has also attracted the attention of academics and politicians. It is necessary and urgent to establish deposit insurance system in China. This paper first analyzes the concept development, main contents and related theories of deposit insurance system from the point of view of theoretical development and practical needs, and on the basis of summarizing the existing literature at home and abroad. This paper expounds the necessity and realistic conditions of constructing deposit insurance system in China, and draws the conclusion that the deposit insurance system should be established as soon as possible in accordance with the national conditions of our country. Then combining with the analysis of the present situation and potential crisis of China's banking industry and the problems existing in the construction of deposit insurance system in China, the author draws lessons from the successful experience and enlightenment of the development of foreign deposit insurance system. This paper makes a comparative analysis of the differences in various aspects of the existing deposit insurance design schemes, puts forward the basic ideas and conceptual framework for establishing the deposit insurance system in China, and expounds in detail the content modules of the construction of the deposit insurance system in China. And carried on the feasibility analysis of establishing the national unified deposit insurance system. Finally, this paper puts forward some control measures and important understanding on the possible moral hazard caused by deposit insurance system. According to the necessity and realistic conditions of establishing deposit insurance system in China, and drawing on the successful experience of foreign deposit insurance system, this paper designs the train of thought and overall structure of deposit insurance system in China. This paper puts forward three measures to control the moral hazard of the deposit insurance system in China and two important understandings of the construction of the deposit insurance system.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.1

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