日本存款保险公司处理问题金融机构的做法和启示

我国在处理金融机构退出方面缺乏制度规范,而以国家信用担保的救助方式已难以保护存款人利益。借鉴日本的经验,中国应尽快建立专业化、市场化的存款保险机构,维护公众对金融体系的信心;建立多样化的存款保险资金援助方式,维护金融体系的安全;建立成本最小化的存款保险制度体系,化解金融风险,推动金融业健康发展;不断完善我国相关法律体系,推动存款保险制度及早建立,保障存款保险制度顺利运行。

The Practice and Implication of Japanese Deposit Insurance Company Handling Problematical Financial Organizations

In the late 1990's,many financial organizations went bankrupt in Japan.The authority of Japanese financial superintendency accumulated valuable experiencies while JDIC dealt with the problematical financial organizations.In China,we lack systematic specification to handle the withdrawal of the financial organizations and it is hard to protect the deposifors' interest even with the national credit. The author refers to the Japanese experience and suggests that china build professional and marketing deposit insurance institute as soon as possible so as to maintain the public's trust in financial system and to construct various deposit aiding models to protect its safety.