新时代我国存款保险制度对商业银行的影响研究.docx

扬州大学本科生毕业设计（论文） PAGE 20 新时代我国存款保险制度对商业银行的影响研究 摘要 2013年11月12日，中共中央在党的十八届三中全会中，讨论研究了关于全面深化改革的若干重大问题，并且将经济体制改革作为全面深化改革战略部署的重要内容。2015年5月1日，我国正式建立存款保险制度，并且将其作为深入进行经济体制改革的重点之一。随着我国进入新时代，供给侧改革的深入推进，一带一路战略的继续实行，我国的金融领域的大环境也随之发生了巨大的变化。主要表现为利率市场化改革的深入、日益宽松的金融准入政策、互联网金融的快速发展等一系列新的挑战。因此，维护金融安全，打好防范化解金融领域重大风险的攻坚战，是我国日后相当长一段时间内的重点工作，而完善健全存款保险制度则是重中之重。 本文以存款保险制度对于商业银行的影响为切入点，着重分析实行存款保险制度对于商业银行的稳定性以及盈利能力两个方面的影响。经过研究论证后，发现虽然实行存款保险制度以后，起到了一些积极的作用，具体表现为商业银行的稳定性得到了提高，经营状况也得到了改善，但是我国目前的存款保险制度仍然存在着诸如缺少独立的存款保险基金管理机构、存款保险基金的来源过于单一这类问题。针对这些现象，本文也尝试着提出了自己的一些建议，尤其是对于股份制商业银行，可以试着通过创新服务和产品、优化资产结构和质量等办法来做出一些改变。 关键词：存款保险制度 商业银行 稳定性 盈利能力 ABSTRACT On November 12, 2013, at the Third Plenary Session of the Eighteenth Central Committee of the Communist Party of China, the CPC Central Committee discussed and studied several major issues concerning the comprehensive deepening of reform, and took the economic system reform as an important part of the overall deepening of the strategic deployment of reform. On May 1, 2015, China formally established the deposit insurance system, which is regarded as one of the key points of deepening the economic system reform. With Chinas entry into the new era, the deepening of the supply side reform and the continued implementation of the one belt and one way strategy, great changes have taken place in the financial environment in China. It is mainly manifested in a series of new challenges, such as the deepening of market-oriented interest rate reform, the increasingly relaxed financial access policy, and the rapid development of Internet finance. Therefore, safeguarding financial security and making good efforts to prevent and resolve major risks in the financial field are the key tasks for a long time to come in our country, and perfecting the deposit insurance system is the most important. Based on the impact of deposit insurance system on commercial banks, this paper focuses on the analysis of the impact of deposit insurance system on the stability and pro