论我国存款保险制度下道德风险的防范
发布时间：2018-08-04 14:47
【摘要】：中国于2015年5月开始正式实施《存款保险条例》,自此实现了存款保险制度在中国的显性化与制度化。存款保险具有其与生俱来的缺憾,即道德风险。在存款保险制度的背景下,道德风险是指由于相信存款保险机构会保护受保存款人免受损失,尽力防范银行倒闭,甚至认为投保银行根本不会倒闭,因此放任甚至支持银行机构利用低成本保险的存款从事高风险业务。为防范道德风险,中国《存款保险条例》实行限额承保并规定较低承保额,详细规定了承保范围,实施基准费率和风险差别费率相结合的费率制度,并赋予下设于中国人民银行的存款保险基金管理机构以一定的早期纠正、风险处置以及监督投保银行的职能。为了更为有效地防范道德风险,在《存款保险条例》基础之上,还应加强存款保险基金管理机构履行其职能的能力,健全与完善存款保险制度公众意识培养机制,并促使下设于中国人民银行的存款保险基金管理机构尽快加入国际存款保险机构协会。
[Abstract]:China began to implement the Deposit Insurance regulations in May 2015 and has since realized the dominance and institutionalization of the deposit insurance system in China. Deposit insurance has its inherent regret, that is, moral hazard. In the context of the deposit insurance system, moral hazard refers to the belief that deposit insurance institutions will protect insured depositors from losses and try their best to prevent bank failures, and even assume that the insured banks will not fail at all. Therefore, to allow and even support banking institutions to use low-cost insurance deposits in high-risk business. In order to guard against moral hazard, China's Deposit Insurance regulations implement a quota for underwriting and provide for a relatively low amount of underwriting. The scope of the insurance is specified in detail, and the system of combining the base rate with the risk differential rate is implemented. The management organization of deposit insurance fund which is located in the people's Bank of China is given the function of early correction, risk disposal and supervision of the insured bank. In order to prevent moral hazard more effectively, on the basis of "Deposit Insurance regulations", we should also strengthen the ability of deposit insurance fund management organizations to perform their functions, and improve and perfect the public awareness training mechanism of deposit insurance system. It also urges the deposit insurance fund management institutions under the people's Bank of China to join the International Association of Deposit Insurance institutions as soon as possible.
【作者单位】： 哈尔滨工程大学人文社会科学学院;
【基金】：中央高校基本科研业务费专项资金“2017(新教师)居民存款安全与保护机制研究”(HEUCFJ171301)
【分类号】：B82-05;F832.22
，
本文编号：2164208
[Abstract]:China began to implement the Deposit Insurance regulations in May 2015 and has since realized the dominance and institutionalization of the deposit insurance system in China. Deposit insurance has its inherent regret, that is, moral hazard. In the context of the deposit insurance system, moral hazard refers to the belief that deposit insurance institutions will protect insured depositors from losses and try their best to prevent bank failures, and even assume that the insured banks will not fail at all. Therefore, to allow and even support banking institutions to use low-cost insurance deposits in high-risk business. In order to guard against moral hazard, China's Deposit Insurance regulations implement a quota for underwriting and provide for a relatively low amount of underwriting. The scope of the insurance is specified in detail, and the system of combining the base rate with the risk differential rate is implemented. The management organization of deposit insurance fund which is located in the people's Bank of China is given the function of early correction, risk disposal and supervision of the insured bank. In order to prevent moral hazard more effectively, on the basis of "Deposit Insurance regulations", we should also strengthen the ability of deposit insurance fund management organizations to perform their functions, and improve and perfect the public awareness training mechanism of deposit insurance system. It also urges the deposit insurance fund management institutions under the people's Bank of China to join the International Association of Deposit Insurance institutions as soon as possible.
【作者单位】： 哈尔滨工程大学人文社会科学学院;
【基金】：中央高校基本科研业务费专项资金“2017(新教师)居民存款安全与保护机制研究”(HEUCFJ171301)
【分类号】：B82-05;F832.22
，
本文编号：2164208
本文链接：https://www.wllwen.com/jingjilunwen/huobiyinxinglunwen/2164208.html
