存款保险体系在我国的构建分析

发布时间：2018-02-26 00:34

  本文关键词： 存款保险制度 存款保险定价 风险传染 成本最小化　出处：《郑州大学》2017年硕士论文　论文类型：学位论文

【摘要】：存款保险制度又称存款保障,是指将存款保险基金以法律的形式制定出来,明确规定金融体系中的所有金融机构应当参于到存款保险制度中。在参保金融机构出现破产风险,资不抵债时,存款保险管理机构可以采取强制措施进入问题金融机构,参于到问题银行的清算工作中,并运用存款保险基金对此机构的负债进行赔付,减少存款人的损失,维护金融大环境的平稳发展。存款保险制度、银行业审慎监管和中央银行的最后贷款人职能组成了铁三角,将金融市场环绕其中。这三大制度相辅相乘,形成了一张紧密的防护网。2015年,我国《存款保险条例》应运而生,这是我国金融体系建设的一重大事项,是存款保险由隐性转向显性的里程碑。本论文从以下四个部分进行了论述:首先对诸多年来的存款保险发展历程进行了简单的总结,整理了部分专家学者关于存款保险制度研究的科研成果,为本文确定了研究方向。第二部分主要是对存款保险的基本概念进行解析并介绍了现阶段存在的几种存款费率定价模型。第三部分是本文的重点部分,主要介绍了我国存款保险制度构建体系。目前,随着市场经济体制的不断完善,金融市场外部大环境已然成熟,建立存款保险制度时机正好,而且金融市场的繁荣发展要求我国现阶段必须尽快建立存款保险制度。借鉴现阶段已实行存款保险制度国家的体系模式,避免构建过程出现与其相同的风险、问题,并对存款定价模型进行分析,验正最适合我国国情的存款保险架构。通过存款保险制度的确立,为银行发展提供一个良好的市场环境。在存款保险制度的建立中,平衡道德风险,兼顾各方参于者的利益。构建适合我国基本国情的存款保险管理机构,并能够有效的运用存款保险基金。
[Abstract]:Deposit insurance system, also called deposit insurance system, means that the deposit insurance fund is formulated in the form of law and clearly stipulates that all financial institutions in the financial system should participate in the deposit insurance system. In the event of insolvency, the deposit insurance administration institution may take compulsory measures to enter the problem financial institution, participate in the liquidation work of the problem bank, and use the deposit insurance fund to compensate for the liabilities of the institution so as to reduce the losses of the depositor. To safeguard the smooth development of the financial environment. The deposit insurance system, banking prudential supervision and the central bank's function as lender of last resort form an iron triangle that surrounds the financial market. These three systems complement each other. In 2015, China's "Deposit Insurance regulations" emerged as the times require, which is a major issue in the construction of our financial system. It is a milestone of deposit insurance from recessive to explicit. This paper discusses the following four parts: firstly, it summarizes the development of deposit insurance in recent years. Collating the scientific research achievements of some experts and scholars on deposit insurance system, The second part mainly analyzes the basic concept of deposit insurance and introduces several existing deposit rate pricing models. The third part is the key part of this paper. This paper mainly introduces the construction system of deposit insurance system in China. At present, with the continuous improvement of the market economy system, the external environment of the financial market has matured, and the time is right to establish the deposit insurance system. Moreover, the prosperous development of the financial market requires that the deposit insurance system must be established as soon as possible in our country at the present stage. We should draw lessons from the national system model of the deposit insurance system at the present stage to avoid the same risks and problems in the construction process. Through the establishment of deposit insurance system, it provides a good market environment for the development of banks. In the establishment of deposit insurance system, the deposit insurance system is established. To balance moral hazard, to take into account the interests of all parties involved, to construct a deposit insurance management institution suitable for the basic conditions of our country, and to effectively use the deposit insurance fund.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.22;F842.6
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本文编号：1535832