摘要
在我国金融体系改革不断深入进行的背景下,与金融监管当局的审慎监管及中央银行最后贷款人功能一起被公认为金融安全网的三大基本要素之一的存款保险制度在我国呼之欲出。但是,存款保险制度本身带有的弊端也引起了关于是否在我国建立此制度的激烈争论。本文联系我国实际,从客观角度详细阐述了存款保险制度的优势与不足,并提出应以比较制度分析方法为手段,通过比较制度建立与运行的收益与成本来决定是否建立此制度,为制度建立者提供一个更广阔的思考空间。
With the development of the reform of the financial system in China, the bank deposit insurance system, which is regarded as one of the three essential factors （ the other two are the prudent supervision of financial supervision administration and the final loaner function of Central Bank）, is eagerly demanded to be set up in China. However, the disadvantages brought by this system have also touched off heated debate on whether there is a need of it in China or not. This paper, in light of the reality in China, discusses on the advantages and disadvantages of this system and proposes that a comparison of system analysis approach should be taken to compare the benefit and the cost of the establishment and administration of this system and then to determine whether it should be established, so as to provide plenty of data for the system establisher to think with.
出处
《贵州大学学报（社会科学版）》
2005年第6期48-54,共7页
Journal of Guizhou University(Social Sciences)
关键词
中国金融业
存款保险
比较制度分析
financial system in China
bank＂ deposit insurance
comparing analysis approach
