构建具有中国特色的存款保险制度【荐】.pdfVIP

24 4 () Vol24 No4 2010 8 JOURNAL OF INSURANCE PROFESSIONAL COLLEGE ( Bmi onthly) A g 2010 曹晓兰 (, 310020) [ ] 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 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, 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 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, 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 [] 存款保险; 保险制度; 问题研究 [] F84 []A [] 1673- 1360 ( 2010) 04 - 0044- 04 [ Ab stract] Deposit ins rance is a financial sec rity system, it is established together to an ins rance a gency by all k inds of depository financial instit tionsEach k ind of depository instit tion pays ins rance prem i m accord ing to certain deposit proportion and establish depository ins rance reserving f ndsWhen themember or ganization has them anagement crisis or facing the bankr ptcy or r nning o t of b siness, the deposit ins rance organization provides the financial resc e or pays directly to the depositor partly or the completely, th sprotects the depositor benefi,t defends the bank credit and stable financial orderEstablishing a deposit ins rance system w ill red ce financial risks, to prevent the occ rrence of r nn ing on the bank and spreading of the crisisWhen occ rring a liq idity risk for ind ivid al banks, the depositorsw illnot have a h ge fearw ith the legal system rela ting, at the same tmi e, the establishment of deposit ins rance system w ill protect the interests of depositors and gives the helpw hen the ins red banks faces payments crisis, therefore protects the interests of depositors of the ins red bank when the bank goes bankr pt [ KeyW ord s] Deposit Ins rance; Ins rance; System Resea