我国建立存款保险制度的环境成熟度研究

发布时间：2018-01-08 22:27

本文关键词：我国建立存款保险制度的环境成熟度研究　出处：《内蒙古大学》2014年硕士论文　论文类型：学位论文

【摘要】：伴随着全球化发展步伐的逐步加快,各国之间的经济联系越来越紧密,互相影响的深度及广度逐渐增强,与此同时金融危机在最近几年发生的频率与概率也逐渐加大,越来越多的银行出现倒闭的现象,为了尽量降低银行业破产带来的连锁反应的消极影响,依靠金融安全网的三大支柱消除这种影响成为了国际上较为广泛的做法,但是在中国这三大支柱中仅仅拥有两大,存款保险制度作为这三大支柱之一在我国却尚未明确实施,我国目前仍然只是依靠政府的隐性担保来填补这个空缺,但由此带来的各种弊端都已经显露出来,如加大政府的负担、扭曲中央银行的货币政策等。业内人士从各个方面对我国存款保险制度的建立进行了广泛的研究,他们建议建立适合中国国情的存款保险制度。从1993年12月《国务院关于金融体制改革的决定》提出“创立存款保险基金、保护社会公共利益”开始,我国为存款保险制度的创建持续了20多年“马拉松式”的摸索与钻研,但是由于环境的束缚至今尚未实施。当前,由于利率市场化改革步伐的逐步加速、我国商业银行股份制变革的成功推动,创建我国存款保险制度的外部环境和内部需求愈来愈走向成熟,不管是经济环境、微观金融环境还是政策环境等方方面面均产生了天翻地覆的变革,因而,当下我国是不是已经处在建立存款保险制度的最好机遇期的论证和存款保险制度的适时推进,对促进我国金融市场的健康发展和金融体制的完善,拥有极其重大的作用与意义。本论文基于以上所述的背景并开展了认真的钻研与研究。经过对当前我国经济环境、微观金融环境以及政策环境的定性与定量相结合的深入分析,导出我国当前基本已经具备了推出适用我国国情的存款保险制度的环境条件,我国应抓住这个重要的战略机遇期,尽早建立适用我国特殊国情的存款保险制度。
[Abstract]:With the gradual acceleration of the pace of globalization, the economic ties between countries are becoming closer and closer, and the depth and breadth of mutual influence are gradually enhanced. At the same time, the frequency and probability of the financial crisis in recent years has gradually increased, more and more banks have failed, in order to minimize the negative impact of the chain reaction caused by banking bankruptcy. Relying on the three pillars of the financial safety net to eliminate this impact has become a broader international practice, but there are only two of the three pillars in China. Deposit insurance system as one of the three pillars in our country has not yet been clearly implemented, our country is still only relying on the implicit guarantee to fill the gap, but the resulting defects have been revealed. Such as increasing the burden of the government, distorting the monetary policy of the central bank and so on. The establishment of China's deposit insurance system has been extensively studied from various aspects. They suggested the establishment of a deposit insurance system suitable for China's national conditions, beginning with the "decision of the State Council on the Reform of the Financial system" in December 1993, which proposed "establishing a deposit insurance fund to protect social and public interests." The establishment of deposit insurance system in China has lasted for more than 20 years "marathon" exploration and research, but due to the constraints of the environment has not yet been implemented. At present, due to the interest rate market-oriented reform step by step accelerated. With the successful promotion of joint-stock system reform of commercial banks in China, the external environment and internal demand of the deposit insurance system of our country are becoming more and more mature, regardless of the economic environment. The microfinancial environment or the policy environment and other aspects have produced earth-shaking changes, so. At present, whether our country has been in the best opportunity period of establishing deposit insurance system and the timely promotion of deposit insurance system, to promote the healthy development of our financial market and improve the financial system. Has the extremely important function and the significance. This paper based on the above background and carried out a serious study and research. Through the current economic environment, micro-financial environment and the policy environment of qualitative and quantitative analysis of the combination of in-depth. It is concluded that the environmental conditions for the introduction of deposit insurance system suitable for China's national conditions have been basically met at present. China should seize this important strategic opportunity period and establish a deposit insurance system suitable for China's special national conditions as soon as possible.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.6;F832.22

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