文档介绍：我国银行存款保险制度路径选择
摘要
经过30多年的经济改革,中国经济已进入一个全面发展的时期。因为金融竞争的加剧,传统金融业的三大支柱:银行,证券和保险将共同合作,相互渗透。在这个过程中,银行业是最缺乏保护的行业,按照有关金融法律,法规,中国金融业的严格实行分业管理和经营。中国已经加入WTO,国外的金融业相比于国内金融业不仅在资金方面实力雄厚,而且在产品开发,业务方式和管理水平方面也更有优势,因此也更有混业经营的优势,可以为客户提供一站式服务。为了迎接外国金融挑战,同时确保中国银行业的可持续发展,中国金融业需要建立一个完善的金融体制。中国金融业起步较晚,仍缺乏发达的金融市场和完善的金融创新,金融制度和金融监管滞后。承认中国的金融业目前面临的内部和外部环境,借鉴国外成功做法,找出适合中国的存款保险制度的发展方式是存款保险制度的发展的唯一途径。但中国存款保险的技术创新仍然是远不能与在欧洲和美国等发达国家相比。该论文以存款保险制度为研究对象,在比较国外经验的基础上,讨论我国建立存款保制度的必要性、可行性,提出适合我国国情的存款保险制度的框架构想。
关键词:存款保险制度;道德风险;分业经营
Abstract
As a part of Financial ,Deposit Insurance System(DIS)has unique fimctions in maintaining the financial stability and protecting the depositors’,DIS has been adopted to defense the contagion of banking risk and decrease the financial crisis in many the further development of ourfinancial system reform, China has essential to build uniform Deposit Insurance the same time, it is very important to research on Deposit Insurance this article chooses DIS to research on and analyses some key points of DIS theoretically and practically,and then put forward its blueprint of DIS of the above research,the author wants to make efforts to introduce DIS into China soon.
Paper adopts several researching methods,paring,analogy, demonstration and citation, the artgle ofthe impact of explicit deposit insurance on the behavior of bank,We build a model that maximizes the equity of stockholder under the constraints of market and nlis model, we analysis the differences of banks under implicit deposit insurance and explicit deposit conclude that the supervision level of bank increases and the incentive of moral hazard of bank decreases with the institutional ,it is necessary to establish explicit deposit insurance in order tO decrease moral hazard.
Key words :Deposit Insurance System,Moral risk,Mode Design
目录
1 存款保险制度概述 4
4
存款保险制度的基本功能 4