建立我国商业银行存款保险制度的思

内容摘要···························································2

一、存款保险制度理论阐述···········································3

（一）存款保险制度的概念················································3

（二）存款保险制度的两种形态············································3

二、我国当前存款保险制度的现状·····································4

（一）隐性存款保险制度下商业银行投机行为严重····························4

（二）隐性存款保险制度阻碍金融市场的公平竞争····························4

（三）隐性存款保险制度影响政策执行的独立性······························5

（四）隐性存款保险制度不利于银行业的改革································5

三、我国建立显性存款保险制度的必要性·······························5

    （一）高速增长的储蓄的需要··············································6

（二）应对银行业潜在风险的需要··········································6

（三）完善国有银行竞争机制的需要········································7

（四）有效保护中小存款人合法利益的需要··································7

（五）维护金融秩序稳定的需要············································7

（六）缓解央行压力，促进金融政策有效实施的需要··························7

（七）完善金融公共安全网，提高金融监管水平的需要························8

四、我国建立存款保险制度应注意的若干问题···························8

（一）从金融业整体的角度出发，应当让所有商业银行均加入存款保险体系······8

（二）在存款保险制度的设计上应使其具有足够的权威性和独立性，尽量减少行政干预··········································································8

（三）在存款保险制度的建立过程中，应循序渐进、逐步推进··················9

（四）保费的确定是存款保险制度的核心问题································9

（五）建立中央银行、银监会、存款保险公司之间既有分工又有合作的运作机制···9

五、结论··························································10

参考文献··························································11

内 容 摘 要

存款保险制度是当今大多数国家金融体系一个重要的组成部分，是世界上公认的金融安全网的三大基本要素之一。它在保护存款人利益和维护金融体系稳定方面发挥着积极作用。我国目前实行的隐性存款保险制度有许多弊端，不利于我国金融业的稳定。因此，建立具有中国特色的存款保险制度己成为我国深化金融改革，完善金融体制的一项战略任务。

本文在对存款保险制度进行理论分析的基础上，指出我国存款保险制度的现状和建立的必要性，并针对我国建立存款保险制度需要迫切解决的一些问题，对我国存款保险制度的建立进行思考。

关键词：银行；存款保险制度；建立