我国隐性存款保险制度的效应分析——兼议制度环境与存款保险制度  

Effect Analysis of Implicit Deposit Insurance System in China——Analysis of Institutional Environment and System of Deposit Insurance

作　　者：苑改霞[1] 沈沛龙[1] 

机构地区：[1]山西财经大学财政金融学院,山西太原030006

出　　处：《上海立信会计学院学报》2007年第6期71-75,共5页Journal of Shanghai Lixin University of Commerce

基　　金：国家自然科学基金项目:关于构建我国商业银行内部评级体系的研究(70473054)

摘　　要：文章以金融全面开放为基点,比较了存款保险制度在国际上的运作,结合我国实际分析在当前金融竞争中金融风险和金融关系变化后我国隐性存款保险制度在现有制度环境下的运行效应,提出目前最关键的是优化制度环境,为将隐性存款保险制度切换为显性存款保险制度作制度基础铺垫。As the full opening-up in financial sector in China,the paper compares the operation of deposit insurance system worldwide,analyzes the financial risks in the context of financial competitions in China,and proposes the operation effects of implicit deposit insurance system under current institutional environment after the changing of financial relationships.It suggests the key to success is to optimize the institutional environment and provide solid foundation for transforming the implicit deposit insurance system into explicit deposit insurance system.

关 键 词：金融竞争 存款保险 制度环境 

分 类 号：F832.2[经济管理—金融学]