| 对我国建立存款保险制度的思考 |
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| 引用本文： | 杨林,林本森. 对我国建立存款保险制度的思考[J]. 商业经济(哈尔滨), 2008, 0(4): 66-68 |
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| 作者姓名： | 杨林 林本森 |
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| 作者单位： | 哈尔滨银行金桥支行,黑龙江哈尔滨150001 |
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| 摘 要： | 建立存款保险制度有利于保持存款人信心，增加银行制度的稳定性，减少政府对国有商业银行的干预。为了维护存款人的利益，摆脱政府的隐性担保，保护我国金融体系运行的安全稳定，我国银行应建立存款保险制度。并高度注意道德风险、金融监管、基本制度保障等问题，以保证存款保险制度的有效性。
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| 关 键 词： | 保险制度 发展状况 积极意义 |
Thinking on Establishing Deposit Insurance System in China |
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| YANG-Lin,LIN-Bensen. Thinking on Establishing Deposit Insurance System in China[J]. Business Economy, 2008, 0(4): 66-68 |
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| Authors: | YANG-Lin LIN-Bensen |
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| Affiliation: | YANG-Lin, LIN-Bensen |
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| Abstract: | The establishment of deposit insurance system can help depositors keep confidence,strengthen stability of bank system,and decrease the interference from government to state-owned commercial banks.The banks in China should build deposit insurance system to protect the depositors' rights and interests,cast off the tacit guarantee from government,and guarantee the security and stability of our financial systems.At the same time,they should keep moral risk away,financial supervision and basic system guarantee to achieve its effectiveness. |
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| Keywords: | insurance system development situation positive meaning |
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