存款保险基金救助、银行破产与赔付安全  

Deposit Insurance Fund Bailout, Bank Insolvency and Compensation Security

作　　者：周镕基 姚帅[2] 吴思斌 ZHOU Rongji;YAO Shuai;WU Sibin(School of Economics and Management,Hengyang Normal University,Hengyang 421002,China;School of Business,Macao University of Science and Technology,Macao 999078,China;School of Business,University of Texas Rio Grande Valley,Texas 78541,USA)

机构地区：[1]衡阳师范学院经济与管理学院,湖南衡阳421002 [2]澳门科技大学商学院,中国澳门999078 [3]德克萨斯大学大河谷分校商学院,美国德克萨斯78541

出　　处：《云南财经大学学报》2023年第11期51-66,共16页Journal of Yunnan University of Finance and Economics

基　　金：湖南省创新平台开放基金项目“村镇银行风险背景下存款保险基金充裕性测度研究”(2022HSKFJJ034);国家社会科学基金项目“外部性反思、评价及路径选择”(21BJY257)。

摘　　要：美国硅谷银行和第一共和银行的破产为全球银行系统稳定带来新的警示,存款保险基金是维持银行系统稳定的重要承保实体。以2015—2020年34家样本银行5个赔付标准的多元实验组与对照组为基准,创建一个总体救助能力测算模型,模拟观察中国存款保险基金自设立以来在不同破产赔付标准下的救助效果与赔付安全性。结果表明:中国存款保险基金参与破产银行救助的效果在理论视角的经验标准和实践视角的同类标准中均可以满足安全赔付要求,并且2019年包商银行的救助并未对存款保险基金的赔付安全构成严重威胁。建议存款保险监管机构及早推进信息公开进程、改进标准设计方法并实行基金储备目标制管理。The bankruptcy of Silicon Valley Bank and First Bank of America has brought new warning to the stability of the global banking system.The deposit insurance fund is an important underwriting entity to maintain the stability of the banking system.Based on the multivariate experimental group and control group of 34 sample banks with 5 compensation standards from 2015 to 2020,a measurement model of the overall rescue capacity is constructed to simulate and observe the bailout effect and compensation security of China’s Deposit Insurance Fund under different bankruptcy compensation standards since its establishment.The results show that the effect for China’s Deposit Insurance Fund to participate in the bailout of bankrupt banks can meet the requirements of safe compensation in both the empirical standard from the theoretical perspective and the similar standard from the practical perspective.Moreover,the bailout of Baoshang Bank in 2019 did not pose a serious threat to the compensation security of the deposit insurance fund.It is recommended that deposit insurance regulators advance the process of information disclosure as early as possible,improve standard design methods,and implement target-based management of fund reserves.

关 键 词：存款保险 总体救助能力 赔付标准 破产银行 赔付安全 

分 类 号：F840.32[经济管理—保险]