本文關(guān)鍵詞： 存款保險制度 存款保險定價 風(fēng)險傳染 成本最小化　出處：《鄭州大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：存款保險制度又稱存款保障,是指將存款保險基金以法律的形式制定出來,明確規(guī)定金融體系中的所有金融機構(gòu)應(yīng)當(dāng)參于到存款保險制度中。在參保金融機構(gòu)出現(xiàn)破產(chǎn)風(fēng)險,資不抵債時,存款保險管理機構(gòu)可以采取強制措施進(jìn)入問題金融機構(gòu),參于到問題銀行的清算工作中,并運用存款保險基金對此機構(gòu)的負(fù)債進(jìn)行賠付,減少存款人的損失,維護(hù)金融大環(huán)境的平穩(wěn)發(fā)展。存款保險制度、銀行業(yè)審慎監(jiān)管和中央銀行的最后貸款人職能組成了鐵三角,將金融市場環(huán)繞其中。這三大制度相輔相乘,形成了一張緊密的防護(hù)網(wǎng)。2015年,我國《存款保險條例》應(yīng)運而生,這是我國金融體系建設(shè)的一重大事項,是存款保險由隱性轉(zhuǎn)向顯性的里程碑。本論文從以下四個部分進(jìn)行了論述:首先對諸多年來的存款保險發(fā)展歷程進(jìn)行了簡單的總結(jié),整理了部分專家學(xué)者關(guān)于存款保險制度研究的科研成果,為本文確定了研究方向。第二部分主要是對存款保險的基本概念進(jìn)行解析并介紹了現(xiàn)階段存在的幾種存款費率定價模型。第三部分是本文的重點部分,主要介紹了我國存款保險制度構(gòu)建體系。目前,隨著市場經(jīng)濟體制的不斷完善,金融市場外部大環(huán)境已然成熟,建立存款保險制度時機正好,而且金融市場的繁榮發(fā)展要求我國現(xiàn)階段必須盡快建立存款保險制度。借鑒現(xiàn)階段已實行存款保險制度國家的體系模式,避免構(gòu)建過程出現(xiàn)與其相同的風(fēng)險、問題,并對存款定價模型進(jìn)行分析,驗正最適合我國國情的存款保險架構(gòu)。通過存款保險制度的確立,為銀行發(fā)展提供一個良好的市場環(huán)境。在存款保險制度的建立中,平衡道德風(fēng)險,兼顧各方參于者的利益。構(gòu)建適合我國基本國情的存款保險管理機構(gòu),并能夠有效的運用存款保險基金。
[Abstract]:Deposit insurance system, also called deposit insurance system, means that the deposit insurance fund is formulated in the form of law and clearly stipulates that all financial institutions in the financial system should participate in the deposit insurance system. In the event of insolvency, the deposit insurance administration institution may take compulsory measures to enter the problem financial institution, participate in the liquidation work of the problem bank, and use the deposit insurance fund to compensate for the liabilities of the institution so as to reduce the losses of the depositor. To safeguard the smooth development of the financial environment. The deposit insurance system, banking prudential supervision and the central bank's function as lender of last resort form an iron triangle that surrounds the financial market. These three systems complement each other. In 2015, China's "Deposit Insurance regulations" emerged as the times require, which is a major issue in the construction of our financial system. It is a milestone of deposit insurance from recessive to explicit. This paper discusses the following four parts: firstly, it summarizes the development of deposit insurance in recent years. Collating the scientific research achievements of some experts and scholars on deposit insurance system, The second part mainly analyzes the basic concept of deposit insurance and introduces several existing deposit rate pricing models. The third part is the key part of this paper. This paper mainly introduces the construction system of deposit insurance system in China. At present, with the continuous improvement of the market economy system, the external environment of the financial market has matured, and the time is right to establish the deposit insurance system. Moreover, the prosperous development of the financial market requires that the deposit insurance system must be established as soon as possible in our country at the present stage. We should draw lessons from the national system model of the deposit insurance system at the present stage to avoid the same risks and problems in the construction process. Through the establishment of deposit insurance system, it provides a good market environment for the development of banks. In the establishment of deposit insurance system, the deposit insurance system is established. To balance moral hazard, to take into account the interests of all parties involved, to construct a deposit insurance management institution suitable for the basic conditions of our country, and to effectively use the deposit insurance fund.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.22;F842.6
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本文編號：1535832