摘要
存款保险制度作为金融安全网的重要组成部分,各国的存款保险制度在提高公众信心、防范金融危机、维护金融稳定等方面发挥了巨大的作用。本文分析和归纳了国际上业已建立的存款保险制度的主要特征和发展趋势,并总结了其对我国的现实意义。
As one essential component of the financial safety net, the deposit insurance system plays a very important part in the field of keeping public belief of banks, stabilizing the financial system and protecting the welfare of the majority of people. This paper carries out a cross analysis of the main characteristics and tendency of established ones around the world, and put forward some suggestion for China＇s practice based on the experience of other countries.
出处
《价值工程》
2006年第3期18-21,共4页
Value Engineering
关键词
存款保险制度
强制性投保
差别费率制
部分保险
the insurance deposit system
compulsory membership
risk-adjust premiums
partial insurance
