中国存款保险管理体制优化研究  

A Study on the Optimization of Deposit Insurance Management System in China

作　　者：柯文轩 赵全厚 Ke Wenxuan;Zhao Quanhou

机构地区：[1]中国财政科学研究院金融研究中心

出　　处：《宏观经济研究》2024年第10期16-26,89,共12页Macroeconomics

基　　金：国家社科基金一般项目“地方政府隐性债务化解手段效果评估及管理创新研究”(项目批准号:20BGL061);中国财政科学研究院理论类招标课题“新发展阶段我国财政风险与金融风险相互转化的机理研究”(项目批准号:2023ZBLL05)的阶段性研究成果。

摘　　要：存款保险是促进银行体系稳定的基础性制度安排和金融安全网三支柱之一,在金融稳定中日益发挥重要作用。当前,中国存款保险管理体制难以适应现代金融安全网和金融稳定保障体系的要求,政策工具箱单薄,风险处置效能有待提高,难以应对更大规模风险处置需要,支持中小银行高质量发展的作用还不充分。在当前进一步深化金融体制改革的背景下,本文基于金融安全网理论并参照国际存款保险制度实践经验,研究和探讨中国存款保险管理体制问题,建议增强存款保险公司的独立性,明确其作为银行业常规风险恢复与处置平台,充实问题银行恢复与处置工具,优化存款保险资金筹集、风险监测、差别费率机制,以更好筑牢金融安全网,完善金融稳定保障体系,支持中小银行高质量发展。Deposit Insurance is a fundamentalsystem that promotes the stability of the banking industryand one of the three pillars of the financialsafety net,playing an increasingly significant rolefor financial stability.Presently,China's DepositInsurance management system is unable to meet the needs of modern financial safety net and financial stability guarantee system.The policy toolbox is inadequate,the risk disposal process needs to be improved and it is difficult to meet the demand of larger-scale risk disposal.The support for small and medium-sized banks is still insufficient.Under the background of deepening financial system reform,based on the theory of financial safety net and referring to the international experience of Deposit Insurance system,this paper analyses the issues of China's Deposit Insurance management system.We suggest to enhance the independence of Deposit Insurance corporation,assign it as a regular risk rescue and disposal platform for the banking industry,enrich the rescue and disposal tools,optimize the fund raising,risk monitoring,and differential rate mechanism,in order to better strengthen the financial safety net,improve the financial stability guarantee system,and support the high-quality development of small and medium-sized banks.

关 键 词：存款保险 金融安全网 金融稳定 

分 类 号：F832.2[经济管理—金融学] F842.6