建立符合我国国情的存款保险制度的设想

随着我国加入WTO进行的加快,商业银行上市已是大势所趋,日益激烈的竞争加剧了我国金融业的系统性风险。目前商业银行的风险监管和救助主要依靠的中央银行和“最后贷款人”制度,这不利于推进政府市场的金融改革的宏观调控,因此,我国应借鉴发达国家的经验,尽快建立存款保险制度。

Imagination of Establishing Deposit Insurance System According with Current China's Situation

The commercial banks are bounded to participate in the capital market along with the accelerating process of China's entering into "WTO". More and more violent competition enhances systematic risk of banking. Today, the supervision and regulation on commercial bank's risk mainly depends on the central bank and the lender of last resort, which is harmful to promote financial reform and macro-adjust that are benefit for government's withdrew from the market. So we should learn the experience of developed country to establish the deposit insurance system as soon as we can.