本文選題：存款保險制度 + 金融穩(wěn)定��； 參考：《南京師范大學》2015年碩士論文

【摘要】：自美國于上世紀三十年代成立聯邦存款保險公司開始實行存款保險制度至今,存款保險制度已經歷整整八十年的發(fā)展,其在全球大多數國家都得到了推廣。我國作為當今世界經濟大國,卻一直缺乏一套能夠對存款進行合理保障與賠付的系統(tǒng)。隨著我國金融體制改革的深化,以及央行逐步放寬金融機構存款利率管制,建立存款保險制度的需求變得極為迫切。因此我國在“十二五”計劃中明確指出將擇機出臺存款保險制度并組織實施。2014年11月底,《存款保險條例(征求意見稿)》的發(fā)布則預示著存款保險制度在我國即將面世。然而,盡管存款保險制度在全球發(fā)展得如火如荼,各國對于其究竟能否促進金融穩(wěn)定卻并未達成共識。顯然,明確存款保險制度對金融穩(wěn)定的凈效用對各國金融系統(tǒng)的構建至關重要,同時也是我國今后所要面臨的難題。除此之外,確定哪些因素可以影響存款保險制度發(fā)揮的效果也具有特別重要的意義,亟待學者們研究。為了解決上述兩點問題,本文采用理論分析結合實證分析的方法,逐步深入進行研究。首先,本文從理論上對存款保險制度進行介紹與分析,針對其可能對金融穩(wěn)定造成何種正面或負面影響進行闡述。其次,本文著眼于可能影響存款保險制度效果的因素,試進行羅列分析,同時也為下文的實證研究做出鋪墊。接著,本文采用Log it回歸模型,選取64個國家1984～2012年間相關面板數據作為樣本,定量研究了存款保險制度對金融穩(wěn)定有何影響。最后,本文根據上文理論分析和實證研究結果得出結論,并結合當前實際對我國存款保險制度的構建提出合理的政策建議。
[Abstract]:Since the Federal Deposit Insurance Corporation (FDIC) was established in the 1930s in the United States, the deposit insurance system has been developed for 80 years and has been popularized in most countries all over the world. As a world economic power, China lacks a reasonable system to guarantee and compensate for deposits. With the deepening of China's financial system reform and the gradual relaxation of the central bank's control of deposit interest rates in financial institutions, the need to establish a deposit insurance system becomes extremely urgent. Therefore, in the 12th Five-Year Plan, our country clearly pointed out that the deposit insurance system would be introduced and put into practice. At the end of November 2014, the release of the Deposit Insurance regulations (draft for opinions) indicates that the deposit insurance system will soon be published in our country. However, although the deposit insurance system is in full swing around the world, there is no consensus on whether it will promote financial stability. It is obvious that the net utility of deposit insurance system to financial stability is very important to the construction of financial system in various countries, and it is also a difficult problem that our country will face in the future. In addition, it is of great significance to determine which factors can affect the effect of deposit insurance system. In order to solve the above two problems, this paper adopts the method of theoretical analysis and empirical analysis to carry out further research step by step. Firstly, this paper introduces and analyzes the deposit insurance system in theory, and expounds what kind of positive or negative impact it may have on financial stability. Secondly, this paper focuses on the factors that may affect the effect of deposit insurance system, try to list the analysis, but also pave the way for the empirical research below. Then, this paper adopts Log it regression model, selects the relevant panel data from 1984 to 2012 in 64 countries as the sample, and quantitatively studies how the deposit insurance system affects the financial stability. Finally, this paper draws a conclusion based on the above theoretical analysis and empirical research results, and puts forward reasonable policy recommendations on the construction of deposit insurance system in China.
【學位授予單位】：南京師范大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.1

【共引文獻】

相關期刊論文 前2條

1 謝藍田;袁黎黎;;關于中國建立顯性存款保險制度的必要性論證和若干建議——基于金融危機背景和國外經驗的探討[J];特區(qū)經濟;2010年06期

2 孫英雋;苗鑫民;;完善我國存款保險制度的思考——基于國際經驗的視角[J];企業(yè)技術開發(fā);2015年22期

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本文編號：1787661