本文分析存款保险制度及该制度在新背景下的各种收益和成本,公开存款保险的承保范围、加入方式、保险基金等方面的制度设计对一国银行业稳定性的影响。
并且通过对比发达国家和发展中国家,证明了在经济发展水平和制度环境不同的国家中,存款保险的实施效果有着显著的不同。在经济发展水平较高、制度环境相对较好的国家,由于可以更好地控制道德风险,存款保险给银行业带来的负面影响相对较小。对我国建立存款保险制度的收益和成本，金融体制改革进行分析， 结合我国商业银行业的实际情况，我国建立存款保险制度的现实问题，在总结经验的基础上 ,提出建立适合我国国情的存款保险制度。
关键词：存款保险，银行危机，金融机构，制度先行，道德风险
ABSTRACT
This paper aims at analyzing the influence on the stability of banking industry in a certain country, which was brought about by factors such as deposit insurance system, the various benefits and costs of the system in the new text, the coverage of public deposit insurance, adding method, insurance funding and other particular system designing. Furthermore, by comparing the developed countries with the developing ones. It proves that there are notable differences in implementation results of deposit insurance in varied economic development levels and system environment. In a relatively highly-developed economics with a good system environment, since the moral risks could be well controlled, the negative impact on banking industry is relatively small. A deposit insurance system which is suitable for the China’s national conditions is also expected to be proposed on the basis of analyzing the revenues and costs of establishing deposit insurance system, financial system reform in China, combined with the actual situation of the commercial banks, realistic problems of the deposit insurance system.
Key word: Deposit insurance, bank crisis, financial organ, system advance, moral hazard
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