【摘要】：中國于2015年5月開始正式實(shí)施《存款保險(xiǎn)條例》,自此實(shí)現(xiàn)了存款保險(xiǎn)制度在中國的顯性化與制度化。存款保險(xiǎn)具有其與生俱來的缺憾,即道德風(fēng)險(xiǎn)。在存款保險(xiǎn)制度的背景下,道德風(fēng)險(xiǎn)是指由于相信存款保險(xiǎn)機(jī)構(gòu)會(huì)保護(hù)受保存款人免受損失,盡力防范銀行倒閉,甚至認(rèn)為投保銀行根本不會(huì)倒閉,因此放任甚至支持銀行機(jī)構(gòu)利用低成本保險(xiǎn)的存款從事高風(fēng)險(xiǎn)業(yè)務(wù)。為防范道德風(fēng)險(xiǎn),中國《存款保險(xiǎn)條例》實(shí)行限額承保并規(guī)定較低承保額,詳細(xì)規(guī)定了承保范圍,實(shí)施基準(zhǔn)費(fèi)率和風(fēng)險(xiǎn)差別費(fèi)率相結(jié)合的費(fèi)率制度,并賦予下設(shè)于中國人民銀行的存款保險(xiǎn)基金管理機(jī)構(gòu)以一定的早期糾正、風(fēng)險(xiǎn)處置以及監(jiān)督投保銀行的職能。為了更為有效地防范道德風(fēng)險(xiǎn),在《存款保險(xiǎn)條例》基礎(chǔ)之上,還應(yīng)加強(qiáng)存款保險(xiǎn)基金管理機(jī)構(gòu)履行其職能的能力,健全與完善存款保險(xiǎn)制度公眾意識(shí)培養(yǎng)機(jī)制,并促使下設(shè)于中國人民銀行的存款保險(xiǎn)基金管理機(jī)構(gòu)盡快加入國際存款保險(xiǎn)機(jī)構(gòu)協(xié)會(huì)。
[Abstract]:China began to implement the Deposit Insurance regulations in May 2015 and has since realized the dominance and institutionalization of the deposit insurance system in China. Deposit insurance has its inherent regret, that is, moral hazard. In the context of the deposit insurance system, moral hazard refers to the belief that deposit insurance institutions will protect insured depositors from losses and try their best to prevent bank failures, and even assume that the insured banks will not fail at all. Therefore, to allow and even support banking institutions to use low-cost insurance deposits in high-risk business. In order to guard against moral hazard, China's Deposit Insurance regulations implement a quota for underwriting and provide for a relatively low amount of underwriting. The scope of the insurance is specified in detail, and the system of combining the base rate with the risk differential rate is implemented. The management organization of deposit insurance fund which is located in the people's Bank of China is given the function of early correction, risk disposal and supervision of the insured bank. In order to prevent moral hazard more effectively, on the basis of "Deposit Insurance regulations", we should also strengthen the ability of deposit insurance fund management organizations to perform their functions, and improve and perfect the public awareness training mechanism of deposit insurance system. It also urges the deposit insurance fund management institutions under the people's Bank of China to join the International Association of Deposit Insurance institutions as soon as possible.
【作者單位】： 哈爾濱工程大學(xué)人文社會(huì)科學(xué)學(xué)院;
【基金】：中央高校基本科研業(yè)務(wù)費(fèi)專項(xiàng)資金“2017(新教師)居民存款安全與保護(hù)機(jī)制研究”(HEUCFJ171301)
【分類號(hào)】：B82-05;F832.22
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本文編號(hào)：2164208