我国存款保险制度建立的必要性思考  

On the Establishment of Deposit Insurance System in China

作　　者：苏蓉[1] 

机构地区：[1]云南大学法学院,昆明650091

出　　处：《云南大学学报（法学版）》2007年第5期127-132,共6页Jorunal of Yunan University Law Edition

摘　　要：我国已加入WTO并正按照世界贸易的规则要求加快金融业的对外开放。在经济全球化和金融全球化高度发展的今天,金融机构间竞争加剧,市场风险加大,如何保证金融活动高效安全的运作是世界各国共同面临的重大问题。金融监管当局的审慎监管和中央银行的最后贷款人的功能以及存款保险制度一起被公认为是构成金融安全网的三大基础。存款保险制度是维护金融业稳定的重要制度,它的建立可以有效激励金融机构保持充足的资本,控制金融成本,保护存款人的利益。我国目前尚未建立存款保险法制制度,建立该制度,将有利于维护我国的金融安全,营造公平竞争的市场环境,完善银行退出机制。Chian has joined the WTO and is in accordance with the world trade rules to＇speed up the financial industry to the outside world. Today, the economic globalization and financial globalization are highly developed, the competition between financial institutions increased and the marke risks increased,how to ensure the efficient and safe operation of the financial activities is the major issue which various countries faces together. The prudential supervising of department of banking custody,the central bank＇s final lender＇s function and the deposit insurance system have been regarded as the three foundation for constituting financial safety net. Deposit insurance system is to maintain the stabili- ty for financial industry ,it can effectively drive the financial institution to maintain adequate capital, control the fi- nancial cost, and protect the interests of depositors,China has not yet been establ i shed the deposit insurance system at present,to establish the systemwill be good for safeguarding the nation,financial security, create a fair competitive market environment and improve the bank withdrawal mechanism.

关 键 词：存款保险 显性存款保险 道德风险 存款保险机构 存款保险基金 

分 类 号：DF438.1[政治法律—经济法学]