对中国存款准备金制度争议的几点思考

在中国金融市场尚不完善,存款保险制度尚未建立的情况下,存款准备金制度将在一定时期内继续发挥作用。完善中国现行存款准备金制度,应从以下几个方面着手:积极营造适合准备金制度作用的环境;降低并逐步取消超额准备金,降低法定存款准备金率;继续扩大差别准备金的涵盖面;扩充存款准备金结构,改革准备金的记提方式。

Reflections on the Discussion about the System of China''''s Reserve against Deposit

Under the condition of the imperfect financial market and the unestablished system of deposit insurance,reserve against deposit will continue to play its role at the given time.In order to perfect the system of reserve against deposit,we should do as the following:the environment which should be built up for the system of reserve against deposit,the excess deposit should be cut down or erased;the rate of legal deposit should be decreased,the differential deposit should be increased and some methods of remitting and withdrawing it should be reformed.