我国存款保险制度构建考量

我国已加入WTO并正按照世界贸易的规则要求加快金融业的对外开放。在经济全球化和金融全球化高度发展的今天,金融机构间竞争加剧,市场风险加大,如何保证金融活动高效安全地运作是世界各国共同面临的重大问题。金融监管当局的审慎监管和中央银行的最后贷款人的功能以及存款保险制度一起被公认为是构成金融安全网的三大基础。存款保险制度是维护金融业稳定的重要制度,它的建立可以有效激励金融机构保持充足的资本,控制金融成本,保护存款人的利益。我国目前尚未建立存款保险法律制度,建立该制度,将有利于维护我国的金融安全,营造公平竞争的市场环境,完善银行退出机制。

The Establishment of Deposit Protection in China

China has joined the WTO and is speeding up the opening-up of the financial industry to the outside world in accordance with the world trade rules.Today,the economic globalization and financial globalization are highly developed.Meanwhile,the competition between financial institutions and the market risks have greatly increased.How to ensure the efficient and safe operation of the financial activities becomes the major issue for different countries.It is generally accepted that the prudential supervision of banking custody department,the final lender's function of the central bank,and the deposit protection system altogether form the three foundations of the financial safety net.Deposit protection is to maintain the stability for financial industry,and it effectively drives the financial institution to maintain adequate capital,control the financial cost,and protect the interests of depositors.China has not established deposit protection at present.Establishment of such a system will be good for safeguarding the country's financial security,create an environment for fair market competition,and improve the bank withdrawal mechanism.