摘要
随着我国经济的不断发展,金融风险逐步积聚,防范化解金融风险已成为我国经济金融高质量发展的重要前提。当前,防范化解金融风险攻坚战虽已取得重要成果,但地方中小银行风险仍是我国金融风险防控的重点和难点领域。研究存款保险基金管理模式,特别是平衡好基金安全性、流动性和保值增值的关系,对于完善金融风险处置机制尤为必要。本文基于存款保险基金管理的国际准则,系统梳理国际主要国家存款保险基金管理的实践经验,提出完善我国存款保险基金管理的政策建议。
With the continuous development of China's economy,fi nancial risks gradually accumulate.Preventing and resolving financial risks has become an important prerequisite for the high-quality development of China's economy and fi nance.At present,although important achievements have been made in preventing and defusing fi nancial risks,the risks of local small and medium-sized banks are still the key and diffi cult areas of fi nancial risk prevention and control in China.It is particularly necessary to study the management mode of deposit insurance fund,especially to balance the relationship among fund safety,liquidity and maintaining and increasing value,so as to improve the fi nancial risk handling mechanism.Based on the international standards of deposit insurance fund management,this paper systematically sorts out the practical experience of deposit insurance fund management in major international countries,and proposes policy recommendations to improve the management of China's deposit insurance fund.
作者
杜鹏
DU Peng(The People's Bank of China Nanjing Branch)
出处
《中国商论》
2021年第11期101-103,共3页
China Journal of Commerce
关键词
存款保险基金
风险处置
金融安全网
deposit insurance fund
risk management
fi nancial safety net
