对我国建立存款保险制度的建议

我国建立存款保险制度的内部条件和外部环境已基本成熟,但具体方案还未定。为了更好地发挥存款保险制度作为国家金融安全网的作用,我们需要借鉴西方国家的经验,积极稳妥地设计好具体方案,以克服存款保险制度的内在缺陷,并明确存款保险公司职能定位,降低防范系统性金融风险的成本。同时还需要继续从健全法律体系、强化信息披露等配套制度方面,完善和创建我国实施存款保险的制度环境。

Suggestions on the Establishment of Deposit Insurance System in China

Our country has got the interior condition and exterior environment for establishing the deposit insurance system,but the concrete scheme has not been decided.In order to exert the functions of the deposit insurance system as a financial safety net of our country,we need to take the experience of western countries for reference and design concrete scheme actively and reliably so as to overcome the inherent limitation of the deposit insurance system,make clear the functions of insurance companies and lower the cost of preventing systematic financial risk.At the same time we should construct and perfect the system environment for our country implementing deposit insurance from the aspects of building legal system and strengthening information publication.