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我国银行存款保险制度的路径选择研究
引用本文:敬志勇,范利民,厉吉斌.我国银行存款保险制度的路径选择研究[J].当代经济科学,2011(5).
作者姓名:敬志勇  范利民  厉吉斌
作者单位:上海师范大学商学院;广西大学商学院;上海浦东发展银行;
摘    要:明确存款保险制度应当作为我国金融安全的重要组成部分。基于风险定价的存款保险费应当由政府和银行共同承担。政府提供的隐性存款保险随着存款保险制度完善逐步减少,为银行积累资本赢得时间。银行应当通过充实资本,降低存款保险费,为实施明确存款保险创造条件。我国最终应当建立信息透明、市场机制主导、政府严格监管、风险处置及时的明确存款保险制度。

关 键 词:金融安全  存款保险  路径选择  

Research on Path Selection of Deposit Insurance System in China Banking
JING Zhi-yong,FAN Li-min,LI Ji-bin.Research on Path Selection of Deposit Insurance System in China Banking[J].Modern Economic Science,2011(5).
Authors:JING Zhi-yong  FAN Li-min  LI Ji-bin
Institution:JING Zhi-yong1,FAN Li-min2,LI Ji-bin3(1.Business School,Shanghai Normal University,Shanghai 200234,China,2.Business School,Guangxi University,Nanning 530004,3.Shanghai Pudong Development Bank,Shanghai 200437,China)
Abstract:Explicit deposit insurance system should be considered as indispensible for China financial safety.Deposit insurance premium based on bank risk should be jointly shared by government and banks.With the development and improvement of deposit insurance system,implicit deposit insurance provided by government should be gradually reduced and thus it will win enough time to help banks obtain capital.Banks should add capital to reduce premium for explicit deposit insurance system.China should develop a deposit in...
Keywords:Financial Safety  Deposit Insurance  Path Selection  
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