对存款保险制度功能的理性思考

存款保险制度在保护存款人利益、稳定金融体系、克服逆向选择与道德风险、改善银行经营环境及促进银行公平竞争等方面发挥着一定的积极作用,但对这些功能不能无限夸大,辩证地看待更有利于走出对存款保险制度认识的误区,切不可忽视其局限性而将其功能过分拔高;存款保险制度本身也存在某些固有的缺陷,它所带来的负面效应也应当引起我们足够的重视;存款保险制度对金融稳定只能治标而不能治本,解决我国金融体系内在问题的根本途径应当是继续深化金融体制各方面的改革。

Rational Thought on the Function of Deposit Insurance System

Deposit insurance system plays an active role in safeguarding the interest of depositors, stabilizing financial system, preventing back-selection and moral risks, improving operating environment for banks and promoting their fair competition. However, it is improper to exaggerate its function infinitely. A dialectic view will guide us out of the faulty zone of deposit insurance system. It is absolutely unacceptable to either overlook its limitedness or overstress its function. There are some inherent faults in the system, whose negative effect should be adequately considered. The system can stabilize finance only temporarily. To eventually solve inborn problems in our financial system, we should continue to deepen the reform of financial system in an all-round way.