| 我国建立显性存款保险制度的必要性与可行性分析 |
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| 引用本文： | 刘慧,杨坚,张克清.我国建立显性存款保险制度的必要性与可行性分析[J].价值工程,2012,31(29):166-167. |
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| 作者姓名： | 刘慧 杨坚 张克清 |
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| 作者单位： | 1. 中国石油大学经济管理学院,青岛,266580
2. 中国中煤能源股份有限公司,北京,100120 |
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| 基金项目： | 中央高校基本科研业务费专项资金资助，2011年度青岛市双百工程调研课题 |
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| 摘 要： | 伴随着我国金融体制改革的深入,四大国有商业银行陆续完成股份制改造,大量股份制商业银行兴起,金融市场日趋完善,但同时金融业的系统性风险也在加大,银行破产在市场化的背景下可能成为现实。我国现行的隐性存款担保模式不再适应金融快速发展的需要,在我国建立显性存款保险制度十分必要且迫切。
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| 关 键 词： | 显性存款保险制度 存款人 银行 |
Analysis of the Necessity and Feasibility on the Establishment of Explicit Deposit Insurance System |
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| LIU Hui
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YANG Jian
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ZHANG Ke-qing.Analysis of the Necessity and Feasibility on the Establishment of Explicit Deposit Insurance System[J].Value Engineering,2012,31(29):166-167. |
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| Authors: | LIU Hui YANG Jian ZHANG Ke-qing |
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| Institution: | LIU Hui;YANG Jian;ZHANG Ke-qing(①School of Economics and Management,China University of Petroleum,Qingdao 266580,China;②China National Coal Group Corp.,Beijing 100120,China) |
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| Abstract: | With the development of China's financial system,four state-owned commercial banks' Joint-stock have been completed and a large number of joint-stock commercial banks have been established.Financial markets are maturing,but systemic financial risk is growing,banks bankruptcy in the market may become a reality.It is necessary and urgently to establish the explicit deposit insurance system. |
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| Keywords: | explicit deposit insurance system depositor bank |
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