摘要
目前全球已经有113个经济体进行了存款保险立法,中国是主要经济体中唯一尚未进行存款保险立法的国家。通过对中国过去20年间商业银行倒闭的案例分析,发现中国长期的隐性存款保险制度是一个成本很高的制度。为以利率市场化为核心的金融体制改革提供制度性保障,必须借鉴欧盟、美国存款保险立法的经验,重点解决存款保险范围、保险限额、保险费率等问题,以加快建立存款保险制度的步伐。我国存款保险立法的核心是加强和改善金融监管,建立健全系统性金融风险防范预警体系和处置机制,最终以显性保险的形式保障存款人的利益,促进金融稳定发展和经济健康增长。
113 economic bodies in the world have legislated on deposit insurance, and China is the only major eco- nomic body which hasn＇ t done so. Based on the analysis of bank bankruptcy cases in the past two decades in Chi- na, we found that the long-standing implicit deposit insurance scheme in China was very costly. In order to offer an institutional guarantee for the financial reform with a market-led interest rate at the core, it is imperative for us to learn from the deposit insurance legislation experiences of the EU countries and the US and establish a market-driven deposit insurance mechanism as soon as possible. For achieving this goal, China should focus on solving the core issues such as the deposit insurance coverage, the insurance premium limit, and insurance premium rates. The explicit deposit insurance legislation hinges on issues like strengthening and improving financial oversight, and establishing view to try. a sound early warning system and a risk response mechanism in preventing systemic financial risks, with an protecting the interests of depositors and ensuring the healthy and steady development of the financial industry.
出处
《保险研究》
CSSCI
北大核心
2014年第7期119-127,共9页
Insurance Studies
基金
北京市重点交叉学科"法律与经济"项目的阶段性成果
关键词
金融危机
存款保险
保险费率
立法
financial crises
deposit insurance
insurance premium rates
legislation
