存款保险制度的国际经验和中国模式的思考

存款保险制度是一国金融安全网三大防线之一,实践证明其对稳定金融秩序、保障存款人利益、维护民众信心、安定社会有重要作用。存款保险制度运行了70多年,积累了一定的国际经验,有必要进行总结,为我国存款保险制度建设提供可借鉴之策。我国银行体系的特有结构、居民金融资产的构成特点、农村多元化金融体系的建设以及金融业互相交叉的风险现状,都表明我国急需建立存款保险制度。而适合中国实际的存款保险制度是最理想的,我国有必要建立统一的、符合国际经验的存款保险新模式。

International Experience and China's Mode of Deposit Insurance System

Deposit insurance system is one of the country′s financial safety net,in practice,it has an important role in stabilizing the financial order,protecting the interests of depositors and keeping people′s confidence.The unique structure of China′s banking system and characteristics of the composition of residents′ financial assets,the rural diversified financial institutions,and the risk of cross-cutting financial status,all indicate that China urgently need the establishment of deposit insurance system.To set up a suitable deposit insurance system is the best,China is planing to establish a new model of deposit insurance which is unified,and conforms to the international experience.