韩国存款保险公司风险监测机制及启示  

Risk Monitoring Mechanism of Korean Deposit Insurance Corporation and Its Enlightenment

作　　者：吴越[1] 刘健[1] 陈晓红[2] WU Yue;LIU Jian;CHEN Xiaohong

机构地区：[1]中国人民银行长春中心支行,吉林长春130051 [2]中国人民银行延边州中心支行,吉林延边州133000

出　　处：《吉林金融研究》2021年第10期45-48,共4页Journal of Jilin Financial Research

摘　　要：1995年12月,韩国出台《存款人保护法》,正式建立存款保险制度。为强化对金融机构的风险监测及评估,降低存款保险基金损失风险,韩国存款保险公司(KDIC)建立了相对完善的风险监测机制,起到了补充监管、推动金融机构稳健经营的作用。KDIC根据日常采集的各类金融信息,通过信息系统、模型评估等开展非现场监测,结合现场核查或与监管部门联合检查,实地研判金融机构风险状况,形成了从风险信息采集、监测、分析、研判到处置的较为完备的风险监测体系。我国存款保险制度于2015年5月1日正式实施,正逐步完善对金融机构的风险监测体系,KDIC的相关做法对我国具有一定的借鉴意义。In December 1995,South Korea issued the depositor protection law and formally established the deposit insurance system.In order to strengthen the risk monitoring and evaluation of fi nancial institutions and reduce the loss risk of deposit insurance funds,Korea Deposit Insurance Corporation(KDIC)has established a perfect risk monitoring mechanism to supplement supervision and promote the steady operation of financial institutions.KDIC carries out off-site monitoring through information system and model evaluation according to various fi nancial information collected daily,studies and judges the risk status of fi nancial institutions on the spot in combination with on-site verifi cation or joint inspection with regulatory authorities,and forms a relatively complete risk monitoring system from risk information collection,monitoring,analysis,research and judgment to disposal.China's deposit insurance system was offi cially implemented on May 1,2015 and is gradually improving the risk monitoring system for financial institutions.The relevant practices of KDIC have a certain reference signifi cance for China.

关 键 词：存款保险 风险监测 启示 

分 类 号：F830[经济管理—金融学]