论我国存款保险制度的构建  

On the Establishment of Deposit Insurance System in China

作　　者：钟秋惠[1] 

机构地区：[1]广东警官学院学报编辑部,广东广州510232

出　　处：《政法学刊》2007年第1期29-33,共5页Journal of Political Science and Law

摘　　要：存款保险制度设立的目的在于保护存款人利益,维持存款人对金融机构的信心,保证金融体系的稳定,最终维护社会公共利益。目前,我国存款保险制度的构建尚存在以下障碍:“资金援助”供需的结构性矛盾,差别费率与银行不良资产,金融立法滞后,缺乏一套客观公正的银行信用评级体系。我们应从立法体例和目标、存款保险机构、投保金融机构、存款保险资金以及存款保险费率等五个方面来构建我国的存款保险制度。The purpose of establishing a deposit insurance system is to protect the benefit of the depositor, maintain the confidence of the depositor in financial institutions, keep the financial system steady and guarantee social public interests. Currently there still exist certain barriers in the establishment of a deposit insurance system in China： the contradiction between supply and demand in financial support; differential rate and bank bad assets; lag of financial legislation; lack of a series of bank credit ranking system. Therefore, we shall establish a deposit insurance system from the perspectives of legislative format and purpose, deposit insurance institutions, insurance financial institutions, deposit insurance funds and deposit premium rate.

关 键 词：存款保险制度 存款保险机构 投保金融机构 “资金援助” 

分 类 号：D438.1[政治法律—政治学]