外国银行存款保险制度中若干问题的法律思考

银行存款保险制度自1933年在美国实施以来,已为世界上70多个国家所效仿,其在避免因银行倒闭引发储户挤兑、保障存款人存款安全及维护金融秩序稳定方面,确实功不可没。但是,一些国家银行存款保险制度中存在的“道德风险”、“逆向选择”及“大则不倒”等问题,客观上影响了存款保险制度功效的发挥。为此笔者提出了实施基于风险的差别费率制及采取强制性投保方式等法律对策。

The Lawful Thinking about Problems of The Deposit Insurance Systems of Foreign Countries

The deposit insurance system of the United States has been adopted by more than seventy countries since it was established.It can avoid the panicky conversion,safeguarding the depositors's interests and keep the financial situation sound.But the problems,such as the problem of moral hazard,the problem of adverse selection and the problem of too big to fail,affect actually the function of this system.This dissertation gives some advices on how to solve these problems.