我国商业银行存款保险制度的构建

摘要

存款保险制度作为金融安全网中重要的一环，能够有效保护存款人利益，防范单个银行风险，从而避免造成整个银行业的恐慌。通过对我国商业银行的风险进行实证分析，发现我国银行业的风险在隐性担保的逐渐削弱和利率市场化不断推进下逐渐增大。从商业银行风险防范的角度看来，其目前最重要的风险防范手段---隐性担保使得商业银行存在不良贷款率较高、资源配置效率低下等很多弊端，同时存款保险制度建立的时机已经成熟，最后从强制性保险、差额保险费率、合理赔付限额三个方面着手逐步建立我国的存款保险制度。%As an important part of financial safety network ,the proper application of deposit insurance system (DIS) can protect the benefit of depositors ,stop single financial crisis from spreading around and causing panic . Based on the analysis of risks in commercial banks ,we can see that risks are increasing gradually .So ,in the per-spective of risk prevention ,we know that there exist many weaknesses (higher non-performing loan ,inefficient distribution of resource) of the implicit deposit insurance and it is the right time to establish DIS .Then ,the estab-lishment of DIS can be implemented by three steps :mandatory insurance ,different insurance charge ;and proper loss ration .