本文選題：存款保險制度 + 缺陷�。� 參考：《對外經(jīng)濟貿(mào)易大學(xué)》2015年碩士論文

【摘要】：存款保險制度,又稱存款保障制度,是經(jīng)濟體為了穩(wěn)定金融秩序、保障存款人權(quán)益而設(shè)立的一種在銀行等存款機構(gòu)發(fā)生擠兌、破產(chǎn)等危機時,對存款人存款提供一定程度保障的制度。當(dāng)前在金融危機的背景下,存款保險制度已經(jīng)成為世界經(jīng)濟政策的熱點。2014年底,我國國務(wù)院法制辦發(fā)布中國人民銀行起草的《存款保險條例(征求意見稿)》,意味著我國的存款保險制度即將出臺。由此,研究存款保險制度的潛在缺陷,從而建立適合我國的存款保險制度確有裨益。本文選取德美兩國的存款保險制度,對存款保險制度的潛在缺陷加以研究分析,指出存款保險制度存在著道德風(fēng)險、逆向選擇、降低市場效率與不公平競爭、增加經(jīng)營成本乃至社會成本的不足的潛在缺陷。隨之介紹評析了存款保險制度的國際實踐,為改進缺陷提供參考。最后結(jié)合我國的國情,給出了在我國對存款保險制度加以改進的建議。提出在我國的存款保險制度應(yīng)當(dāng)在投保方式上采用強制投保方式、在保障范圍上排除關(guān)聯(lián)存款和同業(yè)存款、根據(jù)我國國情制定適當(dāng)?shù)谋ｋU限額、在保險費率上實行基于經(jīng)營和風(fēng)險水平的有差別的浮動費率、賦予存款保險承保機構(gòu)獨立性、承擔(dān)一定的監(jiān)管職能,還應(yīng)當(dāng)加強存款人教育,推廣金融知識。這樣我國的存款保險制度才能切合我國國情發(fā)揮出應(yīng)有的作用。
[Abstract]:The deposit insurance system, also known as the deposit protection system, is an economy set up to stabilize the financial order and protect the rights and interests of depositors when banks and other deposit institutions run out, go bankrupt, and so on. A system that provides a degree of protection for depositors' deposits. In the context of the current financial crisis, deposit insurance system has become a hot spot of world economic policy. At the end of 2014, The issuance of the regulations on Deposit Insurance (draft for opinions) drafted by the people's Bank of China means that the deposit insurance system of our country will be issued soon. Therefore, it is beneficial to study the potential defects of deposit insurance system and establish a deposit insurance system suitable for our country. This paper selects the deposit insurance system of Germany and America to study and analyze the potential defects of deposit insurance system, and points out that deposit insurance system has moral hazard, adverse selection, reducing market efficiency and unfair competition. The potential defects of increasing the operating cost and even the social cost. Then it introduces the international practice of deposit insurance system and provides reference for improving the defects. Finally, according to the situation of our country, the paper gives some suggestions to improve the deposit insurance system in our country. It is proposed that the deposit insurance system in our country should adopt compulsory insurance in the way of insurance, exclude associated deposits and interbank deposits from the scope of protection, and formulate appropriate insurance limits according to the national conditions of our country. In the insurance rate, different floating rates based on management and risk level should be implemented, which endow deposit insurance institutions with independence and assume certain supervisory functions, and should also strengthen depositors' education and promote financial knowledge. In this way, the deposit insurance system in our country can play its due role.
【學(xué)位授予單位】：對外經(jīng)濟貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.1

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本文編號：2047010