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Several Reflections on Constructing Deposit Insurance System in China
Author(s): 
Pages: 37-39
Year: Issue:  7
Journal: Xi'an Finance

Keyword:  存款保险 金融风险 金融稳定;
Abstract: 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。
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