文档介绍：山西财经大学
硕士学位论文
我国存款保险道德风险防范法律对策研究
姓名:李妍
申请学位级别:硕士
专业:经济法
指导教师:王桂华
2006-05-18
摘要
年两会召开之际,温家宝总理在政府工作报告中指出:“今年,我国
加入世贸过渡期将基本结束,要增强做好各项应对工作的紧迫感。”中国加入
世界贸易组织已有近五年时间了,中国的金融业务即将全面向外资开放。金融
自由化脚步的加快使中国的金融机构面临严峻挑战,我国的部分金融机构将在
竞争中被淘汰。为了应对金融危机,我国应尽快出台存款保险法律制度维护金
融系统的稳定。
实践中,存款保险法律制度在保护了存款人利益和金融机构体系安全的同
时,也产生了不少消极作用,其中最主要的就是存款保险道德风险问题。道德
风险是各国的存款保险制度面临的共同难题,它使存款者失去了监督金融机构
经营状况和风险的积极性,使银行铤而走险投资高风险项目,无形中对金融体
系稳定构成威胁。因此只有有效防范存款保险道德风险,存款保险制度才能发
挥出其真正作用。
本文从存款保险道德风险的概念入手,分析了存款保险道德风险的表现形
式,产生原因及消极影响。在了解了我国相关法律现状后,通过对国外防范存
款保险道德奉风险经验的研究与借鉴,从而通过法律视角总结出了适合我国的
防范存款保险道德风险的对策。建议我国应制定设计良好的存款保险制度以防
范道德风险。同时应完善我国相关法律制度,如:信息披露制度、资本结构监
管制度、金融机构退市法律制度等,创造良好的法律环境有效防范存款保险道
德风险。
【关键词】道德风险存款保险问题建议

3
Abstract
The Prime Minister Wen Jiabao in his government work report of
2006 pointed out: "This year, the transition of China's accession to the
WTO will be pleted, it is necessary to strengthen the
response to the sense of urgency.” China’s accession to the World Trade
Organization nearly five years, China's financial operations will be fully
open to foreign investment recently. While accelerates the pace of
financial liberalization in China, the financial institutions are facing severe
challenges, and some of our financial institutions will be eliminated in the
competition. In order to cope with the financial crisis, our legal system
should be introduced to deposit insurance system to safeguard our
financial system.
In practice, although the deposit insurance system can protect the
interests of depositors and the security of financial institutions system,
has also produced many negative effects. The most important negative
effect is the moral hazard problem of deposit insurance. Moral hazard is
mon challenge to the whole finance of world, which depositors
lost enthusiasm to supervision of the financial institutions operating
conditions and risks, and those banks would taken investment in high-risk
pr