發(fā)布時(shí)間：2018-01-22 07:08

  本文關(guān)鍵詞： 存款保險(xiǎn)制度 利率市場化 商業(yè)銀行 存款人 系統(tǒng)性風(fēng)險(xiǎn)　出處：《復(fù)旦大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：近些年,我國利率市場化進(jìn)程進(jìn)一步加快。2013年6月下旬我國銀行間隔夜拆借利率一度高達(dá)30%,個(gè)別商業(yè)銀行出現(xiàn)同業(yè)業(yè)務(wù)違約嫌疑、ATM和網(wǎng)銀系統(tǒng)故障等事件,商業(yè)銀行流動(dòng)性問題反映出的銀行信用風(fēng)險(xiǎn)再一次被推到風(fēng)頭浪尖。而在利率市場化的過程中,商業(yè)銀行傳統(tǒng)依靠利差和簡單運(yùn)用杠桿放大的操作模式將受到?jīng)_擊,業(yè)務(wù)結(jié)構(gòu)和客戶結(jié)構(gòu)將發(fā)生轉(zhuǎn)型,各家商業(yè)銀行也將面臨不同程度的利率競爭和市場化風(fēng)險(xiǎn)的挑戰(zhàn)。目前由于我國實(shí)行隱性存款保險(xiǎn)制度,即由國家和政府信用對商業(yè)銀行的存款進(jìn)行擔(dān)保。在這樣的情況下,一方面,央行的救助存在較大不確定性,發(fā)生危機(jī)后存款人無法預(yù)知央行進(jìn)行救助的時(shí)間和采取的方案；另一方面,商業(yè)銀行在無市場退出后顧之憂的情況下,對于風(fēng)險(xiǎn)的管理和控制力度不夠,最明顯的一點(diǎn)就是期限錯(cuò)配愈演愈烈。一旦商業(yè)銀行因此發(fā)生破產(chǎn)危機(jī)將給整個(gè)金融體系和政府財(cái)政帶來沉重的負(fù)擔(dān)和不穩(wěn)定因素。同時(shí),2013年11月《中共中央關(guān)于全面深化改革若干重大問題的決定》中提出允許具備條件的民間資本設(shè)立中小型銀行,我國的銀行業(yè)將進(jìn)一步對民營資本進(jìn)行開放,大量新興民營銀行的建立將意味著銀行不再是民眾以往認(rèn)為的“大而不倒”。從金融環(huán)境穩(wěn)定和商業(yè)銀行發(fā)展兩方面都促使著我國盡快推出顯性存款保險(xiǎn)。本文從論述我國金融行業(yè)當(dāng)前現(xiàn)狀展開,分析了我國當(dāng)前金融行業(yè)面臨的主要問題,從而確定了建立顯性存款保險(xiǎn)制度是解決這些問題的重要方法之一。然后,本文從理論角度總結(jié)了存款保險(xiǎn)制度的定義、分類和作用。在此基礎(chǔ)上,對美國、德國和日本三個(gè)國家存款保險(xiǎn)制度的發(fā)展歷程和特點(diǎn)進(jìn)行了闡述,并結(jié)合我國自身的國情,分析了這些國家存款保險(xiǎn)制度對我國的啟示。然后本文對我國當(dāng)前建立顯性存款保險(xiǎn)制度的必要性和緊迫性進(jìn)行了分析,并且基于我國存款結(jié)構(gòu),探討了建立我國存款保險(xiǎn)制度的基本理念,進(jìn)而從制度框架設(shè)計(jì)和運(yùn)行環(huán)境兩方面提出了對我國建立存款保險(xiǎn)制度的若干建議。最后,本文對我國建立存款保險(xiǎn)制度進(jìn)行了總結(jié)和展望。(中圖分類號(hào)：F840)
[Abstract]:In recent years, our country interest rate market to further accelerate the.2013 in late June in China overnight bank lending rate was as high as 30%, individual commercial banks interbank business default suspects, ATM and online banking system failure events such as commercial bank liquidity problems reflect the credit risk of banks once again pushed to the forefront of the process. In the interest rate market, commercial banks rely on the spread of traditional and simple use of leverage mode of operation will be affected, the business structure and customer structure transformation will occur, commercial banks will also face interest rate risk of market competition and different degree of challenge. At present, due to the implicit deposit insurance system in our country, by the state and the government credit guarantees of commercial bank deposits. In this case, on the one hand, the central bank's assistance there is greater uncertainty, after the crisis of depositors The central bank can not predict the rescue time and take the program; on the other hand, the commercial banks in the market under the condition of no exit for the menace from the rear, the risk management and control efforts is not enough, the most obvious point is that the maturity mismatch intensified. Once the commercial banks' bankruptcy crisis therefore will give the entire financial system and the government finances heavy burden and unstable factors. At the same time, in November 2013 the "CPC Central Committee on deepening reform of the overall number of major issues in the decision > proposed allowing qualified private capital to set up small and medium banks, China's banking industry will further open to private capital, a large number of new private banks will establish means that the bank is no longer the past people think of the" too big to fail. "Two aspects from the development of financial stability and commercial banks have prompted China's deposit insurance as soon as possible. 鏈枃浠庤榪版垜鍥介噾铻嶈涓氬綋鍓嶇幇鐘跺睍寮，

本文編號(hào)：1454036