我国建立存款保险制度问题探讨

摘要：

存款保险制度并非是一个不存在负面影响的完美制度。存款保险的重要作用在于消除挤兑，避免不必要的银行恐慌。

但是，它在发挥积极作用的同时，不可避免地会带来道德风险问题。其重要性是存款保险制度是促进银行公平竞争的有效措施之一，一个完善的存款保险体系在一定程度上可以淡化国有商业银行的某些优势，使存款者达成一种共识，无论将存款存入大银行还是小银行，存款保险制度对其保护的程度都是相同的，从而有利于打破银行业现有的垄断局面，使中小银行可以平等、公平地参与竞争。其二，有利于减轻央行的负担，更好地保证货币政策的实施效果。

本文对我国建立存款保险制度的理论和现实进行经济学分析，并在借鉴国际经验的基础上提出了我国建立存款保险制度的思路与建议，具有较强的现实意义。

关键词存款保险制度；有效措施；意义

Abstract

Deposit insurance system is not a perfect system has negative impact. The important role of deposit insurance is eliminating the run, to avoid unnecessary bank panic.

However, it plays a positive role in at the same time, inevitably brings about the moral hazard problem. The importance of the deposit insurance system is one of the effective measures of bank fair competition, some of the advantages of a perfect deposit insurance system can dilute the state-owned commercial bank to a certain extent, so that savers have reached a consensus, both will be deposited into the big banks or small banks, deposit insurance system is the same for its protection degree, which helps to break the monopoly of the banking industry, small and medium-sized banks can equal, fair competition. Second, to reduce the burden of the central bank, to ensure the implementation of monetary policy.
In this paper, the establishment of China’s deposit insurance system of theoretical and practical analysis, and puts forward some ideas and suggestions of establishing deposit insurance system in China based on the international experience, has a strong practical significance.

Keywords: Deposit insurance system; Effective measures; significance