我国存款保险制度风险差别费率研究  

Research on Risk-based Rates of the Chinese Deposit Insurance System

作　　者：颜苏[1] YAN Su(Beijing Technology and Business University,Beijing 100048,China)

机构地区：[1]北京工商大学法学院,北京100048

出　　处：《上海对外经贸大学学报》2019年第1期97-107,共11页Journal of Shanghai University of International Business and Economics

摘　　要：2015年《存款保险条例》的实施标志着我国正式建立存款保险制度。我国在空白的基础上创设本国的制度,需要借鉴和吸收其他国家(地区)和国际组织,尤其是美国和国际存款保险机构联合会的经验和成果。风险差别费率作为存款保险制度中最关键性制度之一,需要明确费率的设置、变动的频率等技术问题。同时还需要保证该制度设计合理,避免负面因素的影响。而我国在具体设计本国的风险差别费率制度时,需要解决存款保险机构的职权设置、机构差别费率的选择,以及强化存款保险机构的信息获取等基础问题。The implementation of the deposit insurance act of 2015 marked the formal establishment of the deposit insurance system in China. In China, it is needed to draw on and absorb the experiences and achievements of other countries/regions and international organizations, especially the United States and International Association of Deposit Insurers. The risk-based premium is one of the most important system of deposit insurance system, and the set and frequency of the change rate is need to be clear. At the same time it should be ensured that the design of system is reasonable and avoid the impact of negative factors. In China, the specific design of risk-based rates is needed to solve the functions and powers of the deposit insurance institution, the choice of institutional differential rate, and to strengthen the information sharing system.

关 键 词：存款保险制度 风险差别费率 信息共享制度 

分 类 号：D996.2[政治法律—经济法学] DF962[政治法律—国际法学]