论构建中国存款保险制度的必要性及对策

我国商业银行存在潜在信用风险 ,发生危机甚至破产倒闭已成为可能。关闭发生支付危机的金融机构 ,引发人们对有效保护存款人利益的关注。由于现行的国家信用担保与金融体制改革的目标相悖 ,我国金融体制改革迫切需要新的存款保护替换方式。构建中国存款保险制度需从保险基金分帐户管理、差别费率、有限理赔和规范商业银行市场退出机制入手 ,使其具备对市场经济主体的激励可容性

Necessity and Relevant Countermeasures of Building up Chinese Deposit Insurance Institution

The commercial banks in our country exist potential credit risks, so it is possible that they will encounter payment risks and even bankruptcy. The closing down of banks with payment crisis is arousing people's concern for the effective protection of the benefit of the depositors. Because the present state credit guarantee is in conflict with the ultimate objective of financial structural reforms, substituting Chinese deposit insurance institution for the existing ones is the inexorable trend of reforming financial structure. The points for attention to build up Chinese deposit insurance institution are as followings: managing insurance fund in different accounts,differential rates of due,limited compensation and standardizing market withdrawal mechanism of the commercial banks