摘要
随着我国金融业改革的不断深入,银行业之间的竞争日趋激烈,利率市场化势在必行,我国银行业面临越来越大的经营风险。长期以来,我国虽然未建立存款保险制度,但实际上实行的是一种隐性存款保险制度,该制度不仅加大了财政成本,而且由于没有法律明文规定,运行具有随意性,容易导致道德风险。随着我国经济的高速发展,这种制度已经不能满足维护金融稳定的需要,迫切需要建立存款保险制度。本文尝试立足我国国情,借鉴外国制度,提出我国存款保险制度建立的步骤和策略。
With the continuously deep-going financial reform in China, competition among the banks in China is furrier, interest rate liberalization must be imperative. China＇ s banking industry faces increasing risks. For a long time, even though China dose not establish a deposit insurance system, but in fact it is an implicit implementation of deposit insurance system, the system not only increases the financial costs but also easily leads to moral hazard. With the rapid economic development, the system can no longer meet the need of maintaining financial stability. It is urgent to establish a deposit insurance system. This article attempts to put forward the steps and strategies of establishing deposit insurance system in China based on China＇ s national conditions.
出处
《区域金融研究》
2015年第1期31-33,共3页
Journal of Regional Financial Research
关键词
竞争
利率市场化
存款保险
策略
Competition
Interest Rate Liberalization
Deposit Insurance
Strategies
