存款保险制度的国际比较与借鉴

存款保险制度的国际比较与借鉴

摘要

存款保险制度是为了维护存款人的利益而推行的一种制度，是银行业发展中不可缺少的一种制度保障。随着我国商业银行体系的建立和完善，我国银行业的发展也越来越需要这一制度。本课题主要是通过分析存款保险制度的发展与现状和国外的存款保险制度优缺点，总结出国际经验及对我国建立存款保险制度的启示，结合我国目前的实际情况，通过对现阶段我国建立存款保险制度的必要性和目前所面临的问题的分析，对中国建立存款保险制度提出一个初步构想，以期为我国的这一制度的建立，提供一些理论依据和政策建议。

关键词：存款保险制度；强制性存款保险；金融安全

DEPOSIT INSURANCE SYSTEM OF INTERNATIONAL COMPARISON AND REFERENCE

ABSTRACT

Deposit insurance system is to safeguard the interests of depositors, is an indispensable development of a system to protect in the banking sector. With Chinese commercial banking system to the establishment and improvement, the development of Chinese banking industry will increasingly need the system. The topics mainly through the analysis of the deposit insurance system and the development status and abroad advantages and disadvantages of the deposit insurance system, summed up the international experience and the establishment of deposit insurance system in China, combining the current reality of the situation, By this stage in establishing a deposit insurance system and the need for the current problems faced by the analysis, China on the establishment of a deposit insurance system an initial concept, with a view to China's establishment of this system, provide some theoretical basis and policy recommendations.

Key words:  deposit insurance system; mandatory deposit insurance; finacial security

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