论在利率市场化进程中建立存款保险制度  

On the Establishment of Deposit Insurance System in the Course of Interest Rate Liberalization in China

作　　者：许馨元[1] 

机构地区：[1]中南财经政法大学,湖北武汉430073

出　　处：《山东女子学院学报》2012年第6期92-96,共5页Journal of Shandong Women＇s University

基　　金：山东省自然科学基金项目"基于信贷工厂模式的小微企业贷款产品开发研究"(项目编号:ZR2011GL005)

摘　　要：中国利率改革将逐渐向核心利率市场化推进,为降低和分散利率市场化的风险,需要逐步建立和完善显性存款保险制度。当前中国推出存款保险制度的基本条件已经具备。参照国际经验和中国国情,中国应建立强制的、限额的、差别费率的存款保险制度。根据测算,推出显性存款保险制度对银行的利润影响有限。The reform of the interest rate system is gradually involving the core interest rate liberalization. In order to reduce the risk of interest rate liberalization, it is necessary to establish explicit deposit insurance system. With reference to the international experience and China＇s special conditions, China should establish a compulsory deposit insurance system with limit coverage and differential premium. According to the estimates, the impact on bank＇ s profitability of the establishment of explicit deposit insurance system is small.

关 键 词：利率市场化 存款保险制度 

分 类 号：F830.1[经济管理—金融学]