浅议存款保险制度在我国的建立

我国商业银行建立存款保险制度势在必行。实施存款保险制度 ,宜先制定相关法律 ,正确确立存款保险制度的目标、组织形式 ,从严规定存款保险资格的标准 ,保险费率应遵循与商业保险费率相同的原则。存款保险制度的标的范围和存款保险限额 ,应分阶段确定。存款保险的赔偿方式 ,可取全额赔偿和部分赔偿两种。存款保险制度的资金来源 ,宜多渠道筹集。在资金运用中 ,应类似于一般商业保险公司。对问题存款机构的处理 ,应在保护存款人利益 ,进而保持市场稳定的前提下 ,坚持成本最低原则 ,防止风险进一步传导和扩散。

Comments on Establishment of Deposit Insurance System in China

It is imperative to establish a deposit system in commercial banks. The related law should be formulated to establish the goal, organization and standards of deposit insurance system and the principles for the insurance rates to follow the commercial rates. As to the object scope of the deposit insurance system and the quota of the deposit insurance, different stage should be radiated. The ways of compensation can be divided into two: total compensation and partial compensation. The source of financing under the deposit insurance system is supposed to be from various channels. On utilizing the capital, the similar way should be followed to the usual commercial insurance companies. As to the disposal of the troubled deposit institutions, the principles of the lowest cost should be emphasized to avoid further transmission and diffusion of the risks under the precondition of protecting the depositor's benefits and then maintaining a stable market.