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  本文關(guān)鍵詞：我國建立存款保險制度的環(huán)境成熟度研究　出處：《內(nèi)蒙古大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 存款保險制度 經(jīng)濟(jì)環(huán)境 金融環(huán)境 政策環(huán)境 成熟度

【摘要】：伴隨著全球化發(fā)展步伐的逐步加快,各國之間的經(jīng)濟(jì)聯(lián)系越來越緊密,互相影響的深度及廣度逐漸增強,與此同時金融危機在最近幾年發(fā)生的頻率與概率也逐漸加大,越來越多的銀行出現(xiàn)倒閉的現(xiàn)象,為了盡量降低銀行業(yè)破產(chǎn)帶來的連鎖反應(yīng)的消極影響,依靠金融安全網(wǎng)的三大支柱消除這種影響成為了國際上較為廣泛的做法,但是在中國這三大支柱中僅僅擁有兩大,存款保險制度作為這三大支柱之一在我國卻尚未明確實施,我國目前仍然只是依靠政府的隱性擔(dān)保來填補這個空缺,但由此帶來的各種弊端都已經(jīng)顯露出來,如加大政府的負(fù)擔(dān)、扭曲中央銀行的貨幣政策等。業(yè)內(nèi)人士從各個方面對我國存款保險制度的建立進(jìn)行了廣泛的研究,他們建議建立適合中國國情的存款保險制度。從1993年12月《國務(wù)院關(guān)于金融體制改革的決定》提出“創(chuàng)立存款保險基金、保護(hù)社會公共利益”開始,我國為存款保險制度的創(chuàng)建持續(xù)了20多年“馬拉松式”的摸索與鉆研,但是由于環(huán)境的束縛至今尚未實施。當(dāng)前,由于利率市場化改革步伐的逐步加速、我國商業(yè)銀行股份制變革的成功推動,創(chuàng)建我國存款保險制度的外部環(huán)境和內(nèi)部需求愈來愈走向成熟,不管是經(jīng)濟(jì)環(huán)境、微觀金融環(huán)境還是政策環(huán)境等方方面面均產(chǎn)生了天翻地覆的變革,因而,當(dāng)下我國是不是已經(jīng)處在建立存款保險制度的最好機遇期的論證和存款保險制度的適時推進(jìn),對促進(jìn)我國金融市場的健康發(fā)展和金融體制的完善,擁有極其重大的作用與意義。 本論文基于以上所述的背景并開展了認(rèn)真的鉆研與研究。經(jīng)過對當(dāng)前我國經(jīng)濟(jì)環(huán)境、微觀金融環(huán)境以及政策環(huán)境的定性與定量相結(jié)合的深入分析,導(dǎo)出我國當(dāng)前基本已經(jīng)具備了推出適用我國國情的存款保險制度的環(huán)境條件,我國應(yīng)抓住這個重要的戰(zhàn)略機遇期,盡早建立適用我國特殊國情的存款保險制度。
[Abstract]:With the gradual acceleration of the pace of globalization, the economic ties between countries are becoming closer and closer, and the depth and breadth of mutual influence are gradually enhanced. At the same time, the frequency and probability of the financial crisis in recent years has gradually increased, more and more banks have failed, in order to minimize the negative impact of the chain reaction caused by banking bankruptcy. Relying on the three pillars of the financial safety net to eliminate this impact has become a broader international practice, but there are only two of the three pillars in China. Deposit insurance system as one of the three pillars in our country has not yet been clearly implemented, our country is still only relying on the implicit guarantee to fill the gap, but the resulting defects have been revealed. Such as increasing the burden of the government, distorting the monetary policy of the central bank and so on. The establishment of China's deposit insurance system has been extensively studied from various aspects. They suggested the establishment of a deposit insurance system suitable for China's national conditions, beginning with the "decision of the State Council on the Reform of the Financial system" in December 1993, which proposed "establishing a deposit insurance fund to protect social and public interests." The establishment of deposit insurance system in China has lasted for more than 20 years "marathon" exploration and research, but due to the constraints of the environment has not yet been implemented. At present, due to the interest rate market-oriented reform step by step accelerated. With the successful promotion of joint-stock system reform of commercial banks in China, the external environment and internal demand of the deposit insurance system of our country are becoming more and more mature, regardless of the economic environment. The microfinancial environment or the policy environment and other aspects have produced earth-shaking changes, so. At present, whether our country has been in the best opportunity period of establishing deposit insurance system and the timely promotion of deposit insurance system, to promote the healthy development of our financial market and improve the financial system. Has the extremely important function and the significance. This paper based on the above background and carried out a serious study and research. Through the current economic environment, micro-financial environment and the policy environment of qualitative and quantitative analysis of the combination of in-depth. It is concluded that the environmental conditions for the introduction of deposit insurance system suitable for China's national conditions have been basically met at present. China should seize this important strategic opportunity period and establish a deposit insurance system suitable for China's special national conditions as soon as possible.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.6;F832.22

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