中国存款保险制度构建：难点破解的思路与政策准备  

Builidng a Deposit Insurance System in China:A Thought for Resolving Difficulties and Preparation for Policies

作　　者：卢有红[1] 彭迪云[1] 许涵[2] 

机构地区：[1]南昌大学中国中部经济发展研究中心,南昌大学经济与管理学院,江西南昌330047 [2]南昌大学理学院,江西南昌330031

出　　处：《深圳大学学报（人文社会科学版）》2009年第6期61-65,共5页Journal of Shenzhen University：Humanities & Social Sciences

基　　金：国家社会科学基金项目“中部地区产业结构服务化拐点预测与政策准备”(项目编号:08BJL039)

摘　　要：中国现行的政府隐性担保制度已不能适应经济发展和金融改革的需要,借鉴国外经验,构建适合中国国情的存款保险制度是大势所趋。但存款保险制度的道德风险问题依然严重,而且其运行所需的许多基础性条件中国目前并不具备。因此,完善制度控制道德风险和创造良好的制度运行环境,是中国构建存款保险制度要解决的两个主要问题。The present recessive government guaranty system can no longer meet the needs of economic development and financial reform. The general trend is to draw on experiences of other countries and build a deposit insurance system that suits China＇s conditions. Nevertheless, there still exist grave ethical risks of the deposit insurance system, and moreover, China still lacks many fundamental conditions for building such a system. Therefore, the two major tasks for building deposit insurace system is, first of all, to perfect the system so as to control ethical risks and to create a good environment for carrying out the system.

关 键 词：存款保险制度 隐性担保制度 道德风险 基础性条件 

分 类 号：F840.682[经济管理—保险]