中国现阶段推行存款保险制度为时过早

着重分析了美国实行联邦存款保险制度后的成效以及存在的道德风险问题,指出存款保险虽然对我国金融业摆脱政府干预从而为金融机构建立一个公平、公正的竞争平台十分必要,但其目前在我国实施的必要性有待商榷。针对这一问题，并结合现今我国金融业的实际情况,诸如现代商业银行制度尚未完全建立,尤其是缺乏完善的金融监管与金融预警机制这一必要前提下,指出贸然引入存款保险制度极易引发金融业经营中的道德风险,此外,为建立存款保险制度而涉及的资金方面的问题也有待解决,种种迹象表明，当前我国实行存款保险制度的时机并未成熟。

Too Early for China to Implement the Deposit Insurance System at Present

This paper reviews the positive and negative effects such as the serious moral risk problem in the United States' financial industry after implementing the federal deposit insurance system, indicating that at present the de- posit insurance system deserves further consideration in China though it is very important to help build a fair compe- tition platform for financial organizations. After carefully analyzing the current financial system as well as some pos- sible consequences that the deposit insurance system might bring to China, this paper points out that a modern bank-ing system, especially an adequate financial supervision and warning structure, is a precondition to successfully car-ry out the deposit insurance systems in China, therefore it is premature to implement the deposit insurance system im-mediately in China.