摘要
本文认为:公平统一的市场机制要求和存款保险制度的规模效应决定了我国应当选择直接建立全国统一存款保险制度。存款保险制度设计要充分考虑中国银行业的实际,在对银行存款全面保护的同时,存款保险制度的职能定位、组织形式、保护程度以及资金运作和费率调整等重要方面应当坚持普遍非全额、基于风险且市场化运作的基本要求。
The paper thinks that fair and uniform market mechanism requirement and scale effect of deposit insurance system de- cides that directly constructing a uniform deposit insurance system is a better choice. When designing the deposit insurance system, consideration should be taken to the situation of China＇s banking industry. Besides protecting all banks＇ deposit, the function position- ing, organization form, protection extent, capital operation as well as rate adjustment should adhere to the basic requirement of general non-complete, basing on risks and market operation,
出处
《西部金融》
2012年第7期37-39,共3页
West China Finance
关键词
存款保险
金融风险
金融稳定
deposit insurance
financial risk
financial stability
