存款保险差别费率定价研究  

Study on Differential Rate Pricing of Deposit Insurance

作　　者：李建强[1] 纪晓明[1] 王慕星 LI Jian-qiang;JI Xiao-ming;WANG Mu-xing(Baicheng Central Sub-branch,People＇s Bank of China,Baicheng 137000,China)

机构地区：[1]中国人民银行白城市中心支行,吉林白城137000

出　　处：《长春金融高等专科学校学报》2018年第6期9-18,8,共11页Journal of Changchun Finance College

摘　　要：我国《存款保险条例》于2015年5月1日起施行,条例规定,存款保险费率由基准费率和风险差别费率构成。由于差别费率制度在我国实行时间较短,在风险评估、差别费率定价等方面仍处于起步阶段,亟需进一步发展完善。因此,合理借鉴吸收世界其他主要国家和地区差别费率模式的成功经验,探索建立适合我国国情的差别费率定价机制尤为重要和迫切。China＇s regulations on deposit insurance came into effect on May 1st, 2015, the regulations stipulate that the deposit insurance premium rate consists of the base rate and the risk differential rate. As the implementation time of the differential rate system in China is relatively short, it is still in the initial stage of risk assessment and differential rate pricing, so it needs to be further developed and improved. There-fore, it is particularly important and urgent to draw on the successful experience of different rate pricing models from other major countries and regions in the world, explore and establish a differential rate pricing mechanism suitable for China＇s national conditions.

关 键 词：存款保险 差别费率 定价 

分 类 号：F832[经济管理—金融学]