中国存款保险制度研究

摘    要
存款保险制度是一种金融保障制度，是指由符合条件的各类存款性金融机构集中起来建立一个保险机构，各类存款机构作为投保人按一定存款比例向其缴纳保险费，建立存款保险准备金，当成员机构发生经营危机或面临破产倒闭时，存款保险机构向其提供财务救助或直接向存款人支付部分或全部存款，从而保护存款人利益，维护银行信用，稳定金融秩序的一种制度。建立存款保险制度有利于降低金融风险，防止挤兑发生及危机扩散。当个别银行出现流动性风险时，存款人因为有了相关的法律制度作保证，不再产生巨大的恐惧心理，避免该银行发生挤兑风潮、传染其它与之有业务联系的金融机构，同时，建立存款保险制度有利于保护存款人的利益。在投保银行面临支付危机时提供救助，在投保银行破产倒闭时依法清偿存款人的存款，从而保护了存款人的利益。

关键词： 存款保险；保险限额；保费厘定

Abstract
Deposit insurance system is a kind of financial guarantee system, it is to point to by all kinds of deposit that accords with a condition of financial institutions to establish an insurance agencies concentrated deposits, according to a certain proportion of deposit as policy-holder to its pay insurance premium, establish the deposit insurance reserve, when member institutions or face crisis occurred business went bankrupt, deposit insurance institutions to provide financial assistance or directly to the depositor pays part or all deposit, and protect the interests of depositors, safeguard financial order and stability of bank credit of a system. Establish the deposit insurance system to reduce financial risk, prevent run and crisis spread. When individual bank liquidity risk, the depositor because relevant law system guarantee, no longer generate tremendous fear, avoid the bank, bank and other infectious agitation of financial institutions have connections, and at the same time, establish the deposit insurance system to protect the interests of depositors. In insurance pay when facing Banks provide assistance in crisis when insurance pay lawfully bank went bankrupt, thus protecting the depositor deposit for the interests of the depositors.

Keywords: Deposit insurance; Insurance allowance; Premium merchandise

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