| 论我国建立存款保险制度的必然与约束 |
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| 引用本文： | 张金霞.论我国建立存款保险制度的必然与约束[J].北京工业大学学报(社会科学版),2003,3(3):25-28. |
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| 作者姓名： | 张金霞 |
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| 作者单位： | 中央财经大学,金融系,北京,100081 |
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| 摘 要： | 从我国银行体系较高的脆弱性、存款者利益的保护、隐性存款保险制度的缺陷以及银行间公平竞争环境的营造方面论述了我国建立存款保险制度的必要,以及存款保险制度建立所面临的诸如制度本身和我国银行在资本、资产、信息披露等方面的约束问题,提出了以合理确定存款保险制度的保护程度、实现存款保险证券化、增加银行自有资本和提高银行资产的市场性等对策解决上述约束的建议。
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| 关 键 词： | 银行体系 隐性存款 银行资产 存款保险制度 |
| 文章编号： | 1671-0398(2003)03-0025-04 |
| 修稿时间： | 2003年1月10日 |
On the Necessity and Constraints in the Establishment of Deposit Insurance Institution in China |
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| ZHANG Jin-xia.On the Necessity and Constraints in the Establishment of Deposit Insurance Institution in China[J].Journal of Beijing Polytechnic University(Social Sciences Edition),2003,3(3):25-28. |
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| Authors: | ZHANG Jin-xia |
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| Abstract: | It is inevitable to establish the deposit insurance institution in China, which is demonstrated from the four respects of financial fragility, the savers' interests protection, the defects of the covert deposit insurance institution and the creation of the impartial competitive environment among banks. However the establishment of the deposit insurance institution is also constrained by such factors as institution itself, banking capital, assets and information release. It can release the constraints to establish reasonable deposit insurance system, realize the securitization of deposit insurance, increase the bank self-owned capital and enhance the marketability of bank assets. |
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| Keywords: | bank system covert deposit bank assets deposit insurance institution |
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