国际上存款保险制度促进金融稳定的实证分析及启示

发布时间：2018-04-22 14:31

本文选题：存款保险制度 + 金融稳定　；参考：《南京师范大学》2015年硕士论文

【摘要】：自美国于上世纪三十年代成立联邦存款保险公司开始实行存款保险制度至今,存款保险制度已经历整整八十年的发展,其在全球大多数国家都得到了推广。我国作为当今世界经济大国,却一直缺乏一套能够对存款进行合理保障与赔付的系统。随着我国金融体制改革的深化,以及央行逐步放宽金融机构存款利率管制,建立存款保险制度的需求变得极为迫切。因此我国在“十二五”计划中明确指出将择机出台存款保险制度并组织实施。2014年11月底,《存款保险条例(征求意见稿)》的发布则预示着存款保险制度在我国即将面世。然而,尽管存款保险制度在全球发展得如火如荼,各国对于其究竟能否促进金融稳定却并未达成共识。显然,明确存款保险制度对金融稳定的净效用对各国金融系统的构建至关重要,同时也是我国今后所要面临的难题。除此之外,确定哪些因素可以影响存款保险制度发挥的效果也具有特别重要的意义,亟待学者们研究。为了解决上述两点问题,本文采用理论分析结合实证分析的方法,逐步深入进行研究。首先,本文从理论上对存款保险制度进行介绍与分析,针对其可能对金融稳定造成何种正面或负面影响进行阐述。其次,本文着眼于可能影响存款保险制度效果的因素,试进行罗列分析,同时也为下文的实证研究做出铺垫。接着,本文采用Log it回归模型,选取64个国家1984～2012年间相关面板数据作为样本,定量研究了存款保险制度对金融稳定有何影响。最后,本文根据上文理论分析和实证研究结果得出结论,并结合当前实际对我国存款保险制度的构建提出合理的政策建议。
[Abstract]:Since the Federal Deposit Insurance Corporation (FDIC) was established in the 1930s in the United States, the deposit insurance system has been developed for 80 years and has been popularized in most countries all over the world. As a world economic power, China lacks a reasonable system to guarantee and compensate for deposits. With the deepening of China's financial system reform and the gradual relaxation of the central bank's control of deposit interest rates in financial institutions, the need to establish a deposit insurance system becomes extremely urgent. Therefore, in the 12th Five-Year Plan, our country clearly pointed out that the deposit insurance system would be introduced and put into practice. At the end of November 2014, the release of the Deposit Insurance regulations (draft for opinions) indicates that the deposit insurance system will soon be published in our country. However, although the deposit insurance system is in full swing around the world, there is no consensus on whether it will promote financial stability. It is obvious that the net utility of deposit insurance system to financial stability is very important to the construction of financial system in various countries, and it is also a difficult problem that our country will face in the future. In addition, it is of great significance to determine which factors can affect the effect of deposit insurance system. In order to solve the above two problems, this paper adopts the method of theoretical analysis and empirical analysis to carry out further research step by step. Firstly, this paper introduces and analyzes the deposit insurance system in theory, and expounds what kind of positive or negative impact it may have on financial stability. Secondly, this paper focuses on the factors that may affect the effect of deposit insurance system, try to list the analysis, but also pave the way for the empirical research below. Then, this paper adopts Log it regression model, selects the relevant panel data from 1984 to 2012 in 64 countries as the sample, and quantitatively studies how the deposit insurance system affects the financial stability. Finally, this paper draws a conclusion based on the above theoretical analysis and empirical research results, and puts forward reasonable policy recommendations on the construction of deposit insurance system in China.
【学位授予单位】：南京师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.1

【共引文献】