经济转轨国家存款保险制度的建立与实施

存款保险制度对转轨国家可以起到防止银行“挤兑传染”,达到金融体系稳定的目的;有利于建立平等竞争的市场环境;有利于构建有效的市场退出机制;有利于促进金融业的对外开放等。计划经济体制下隐性存款保险制度存在着影响公平、影响效率、滋生道德风险等问题。转轨国家存款保险制度的特点是:成立的时间较短;专门机构经营;强制性保险和设立保险额度等。

The Establishment and Implementation of the Deposit Insurance System in the Countries Undergoing Transition in Economy

Deposit insurance system helps the countries whose economy is in transition to prevent "bank run epidemic" and stabilize the financial system.It also helps to establish a market environment which ensures equal and fair competition,to set up an effective market withdrawal mechanism and push forward the opening-up-to-the-outside of the financial industry.The invisible deposit insurance system under the planned economic regime gives rise to many problems such as influencing fairness,affecting efficiency,bringing about the moral risks.The characteristics of the deposit insurance system in the countries whose economy is in transition are: Time of establishment is rather short;it will be under the custody of a special office;it is compulsory insurance and insurance coverage has been made clear.