存款保险制度发展及对商业银行的影响2

摘  要

随着商业银行的纷纷上市，国有资本将渐渐淡出商业银行,再加之我国金融业全面开放的进程拉开序幕,我国银行业将在世界范围内独立面对外资银行的有力竟争,这对目前经营手段单一、缺乏国际化经营经验的中资商业银行来讲无疑是一项巨大挑战，也将承受巨大的经营风险，因此，通过分析存款保险制度与我国商业银行的关系，建立起适合我国的存款保险制度，借此保障我国的经济金融安全，已成为当务之急。

本文通过查阅国内外相关文献及统计资料，从存款保险制度的理论依据和基本原则出发，结合我国存款保险制度的发展现状，论证制度建立的必要性和可行性，深入探究我国发展存款保险制度可能遇到的问题，并系统分析存款保险制度对商业银行的利弊影响。最后，提出了存款准备制度下商业银行的应对策略和合理建议。

关键词：存款保险制度；商业银行；影响；对策

ABSTRACT

As commercial banks have listed, the state capital of commercial banks will gradually fade out, coupled with the full liberalization of China's financial industry kicked off the process, China's banking industry will face strong competition independent of foreign banks in the world, which is currently means of a single operation, the lack of international management experience in Chinese commercial banks is undoubtedly a huge challenge, it will be under tremendous business risk, therefore, by analyzing the relationship between the deposit insurance system and China's commercial banks, establish suitable for China's deposit insurance system, thereby safeguard our country's economic and financial security, it has become imperative. 

In this paper, Through access to domestic and foreign literature and statistical data, starting from the theoretical basis of deposit insurance system and the basic principles, combined with the current situation of the development of deposit insurance system in our country, proves the system to establish the necessity and feasibility, in-depth study of development of deposit insurance system in China to meet and system analysis of the deposit insurance system on the impact of commercial banks with the pros and cons. Finally, strategies of commercial banks and put forward reasonable suggestions under the deposit reserve system.

Keywords: deposit insurance; commercial banks; influence; countermeasure

目  录

引言 1

一、存款保险制度的概述 1

（一）存款保险制度的概念 1

（二）存款保险制度的的理论依据 2

二、我国存款保险制度的发展现状 3

（一）我国存款保险制度的建立与发展 3

（二）我国发展存款保险制度的必要性与可行性分析 4

三、我国存款保险制度发展的制约因素 8

（一）隐性存款保险制度的影响根深蒂固 8

（二）管理部门协调机制仍需整合 9

（三）相关法律法规尚待完善 9

（四）公众环境对存款保险制度准备不足 9

四、存款保险制度对商业银行的影响分析 10

（一）对商业银行的积极影响 10

（二）对商业银行的消极影响 11

五、存款保险制度下商业银行的发展策略 12

（一）积极转变态度 13

（二）完善银行市场退出机制 13

（三）改善银行信息披露制度 13

（四）加强配套设施建设 14

结语 14

参考文献 15

致  谢 16