基于统一税收制度下的银行存款保险制度改进研究

多年来,我们对于存款保险制度安排的创新不足,对社会福利的影响研究较少,研究重点主要集中在基于银行缴纳保费的存款保险计划制定、定价方法、道德风险的规避及对银行体系的效用方面。事实上,只有通过统一的税收制度建立存款保险计划才能提高社会福利,并在该框架下实现对民间借贷的有效调节。

The Improvement Research on the Insurance System of Bank Deposit Under the Unified Tax System

We have less knowledge on the deposit insurance system and less resarch on the social welfare.We focus on the deposit insurance project,pricing methods,evasion of the moral risk,and the effectiveness of the bank system.In fact,only to set up the deposit insurance project by the unified tax system can we improve the social welfare and realize the adjustment of the civilian debit and credit.