存款保险制度缺陷研究

发布时间：2018-06-21 03:31

本文选题：存款保险制度 + 缺陷　；参考：《对外经济贸易大学》2015年硕士论文

【摘要】：存款保险制度,又称存款保障制度,是经济体为了稳定金融秩序、保障存款人权益而设立的一种在银行等存款机构发生挤兑、破产等危机时,对存款人存款提供一定程度保障的制度。当前在金融危机的背景下,存款保险制度已经成为世界经济政策的热点。2014年底,我国国务院法制办发布中国人民银行起草的《存款保险条例(征求意见稿)》,意味着我国的存款保险制度即将出台。由此,研究存款保险制度的潜在缺陷,从而建立适合我国的存款保险制度确有裨益。本文选取德美两国的存款保险制度,对存款保险制度的潜在缺陷加以研究分析,指出存款保险制度存在着道德风险、逆向选择、降低市场效率与不公平竞争、增加经营成本乃至社会成本的不足的潜在缺陷。随之介绍评析了存款保险制度的国际实践,为改进缺陷提供参考。最后结合我国的国情,给出了在我国对存款保险制度加以改进的建议。提出在我国的存款保险制度应当在投保方式上采用强制投保方式、在保障范围上排除关联存款和同业存款、根据我国国情制定适当的保险限额、在保险费率上实行基于经营和风险水平的有差别的浮动费率、赋予存款保险承保机构独立性、承担一定的监管职能,还应当加强存款人教育,推广金融知识。这样我国的存款保险制度才能切合我国国情发挥出应有的作用。
[Abstract]:The deposit insurance system, also known as the deposit protection system, is an economy set up to stabilize the financial order and protect the rights and interests of depositors when banks and other deposit institutions run out, go bankrupt, and so on. A system that provides a degree of protection for depositors' deposits. In the context of the current financial crisis, deposit insurance system has become a hot spot of world economic policy. At the end of 2014, The issuance of the regulations on Deposit Insurance (draft for opinions) drafted by the people's Bank of China means that the deposit insurance system of our country will be issued soon. Therefore, it is beneficial to study the potential defects of deposit insurance system and establish a deposit insurance system suitable for our country. This paper selects the deposit insurance system of Germany and America to study and analyze the potential defects of deposit insurance system, and points out that deposit insurance system has moral hazard, adverse selection, reducing market efficiency and unfair competition. The potential defects of increasing the operating cost and even the social cost. Then it introduces the international practice of deposit insurance system and provides reference for improving the defects. Finally, according to the situation of our country, the paper gives some suggestions to improve the deposit insurance system in our country. It is proposed that the deposit insurance system in our country should adopt compulsory insurance in the way of insurance, exclude associated deposits and interbank deposits from the scope of protection, and formulate appropriate insurance limits according to the national conditions of our country. In the insurance rate, different floating rates based on management and risk level should be implemented, which endow deposit insurance institutions with independence and assume certain supervisory functions, and should also strengthen depositors' education and promote financial knowledge. In this way, the deposit insurance system in our country can play its due role.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.1

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