| 基于我国高储蓄特征的存款保险限额研究 |
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| 引用本文： | 易丹华.基于我国高储蓄特征的存款保险限额研究[J].广东工业大学学报(社会科学版),2011(4):21-24. |
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| 作者姓名： | 易丹华 |
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| 作者单位： | 广东岭南职业技术学院管理学院; |
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| 摘 要： | 能否有效设计存款保险制度的保护，将直接影响到存款保险制度作用的发挥。基于我国高储蓄特征的情况，文章认为我国应当采用金额存款保险与部分限额保险相结合的设计方式；通过对我国居民金融投资构成分析，我国应设定较高的存款保险保护比例。
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| 关 键 词： | 中国 金融机构存款 存款保险制度 保险限额 储蓄特征 金融资产配置 |
A Study of the Limit of Deposit Insurance System against the Background of High Savings in China |
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| YI Dan-hua.A Study of the Limit of Deposit Insurance System against the Background of High Savings in China[J].Journal of Guangdong University of Technology(Social Sciences Edition),2011(4):21-24. |
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| Authors: | YI Dan-hua |
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| Institution: | YI Dan-hua(School of Management,Guangdong Lingnan Institute of Technology,Guangzhou,Guangdong 510663,P.R.China) |
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| Abstract: | The ability of effectively designing the degree of protecting the deposit insurance system directly affects the function of deposit insurance system.According to the characteristics of China's high savings degree we should adopt the method combining the full amount of deposit insurance with the insurance of the part limit.And by the analysis of our people's constitution of financial investment,we should set a high degree of deposit insurance protection. |
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| Keywords: | China financial institution deposit deposit insurance system insurance limit high savings financial assets allotment |
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