存款保险制度改进.docVIP

存款保险制度改进 篇一：存款保险制度及其影响小论文 存款保险制度及其影响研究 13数应2班 彭远博 学号：1309402029手机号 摘要：存款保险制度作为金融安全网的部分之一，在保护存款人的利益，增强存款人大众的信心和维护金融体系安全等方面都发挥了极大重要的作用，存款保险制度在1993年在美国正式确立到现在，全球已有超过一百多个国家建立了这个制度。现在，我国也已经在2015年5月1日建立了存款保险制度，所以对存款保险制度进行深入和研究具有十分重要的理论和现实意义。本文以存款保险制度为研究对象，分析了我国现在隐形存款保险制度的弊端和建立显性存款保险制度的可行性，并借鉴外国存款保险制度经验的基础下，结合我国实际，提出了构建适合我国国情的存款保险制度。全文分为三部分： 第一部分是存款保险制度概述。 第二部分存款保险制度的历史回顾与必威体育精装版发展。 第三部分是我国建立存款保险制度的基本条件分析。 关键词：存款保险制度；历史回顾；基本条件； Abstract：As part of a financial safety net, deposit insurance system to protect the interests of the depositors, strengthen depositors public confidence and maintain security of financial system has played a great important role in such aspects as, deposit insurance system in the United States formally established in 1993 to now, the world more than one hundred countries have already established the system. Now, our country also has been on May 1, 2015, established the deposit insurance system, so the deposit insurance system and further research has important theoretical and practical significance. Based on the deposit insurance system as the research object, has analyzed our country now contact the disadvantages of deposit insurance system and the establishment of explicit deposit insurance system, the feasibility of, and using the experience of foreign deposit insurance system, the basis of combining the reality of our country, put forward the construction of deposit insurance system suitable to China#39;s national conditions. Full text is divided into three parts: The first part is the summary of deposit insurance system The second part of.Reviewing the history of the deposit insurance system and the latest development. The third part is the analysis of the basic conditions for establishing deposit insurance system in China. Key words: deposit insurance system; Historical review; The basic conditions; 一、引言 在经济金融化和金融全球化迅速发展的今天，如何保证金融安全高效地运作已成为 无法回避的问题。存款保险制度作为保障银行等存款机构金融安全的一种制度安排，也得到越来越多国家认可。简单来说，存款保险制度是指为了维护金融体系的稳定发展、保护存款人利