存款保险制度对农村中小金融机构影响分析

摘要

The deposit insurance system plays important roles in protecting small depositors＇ benefit and maintaining financial stability. However, deposit insurance also involves moral hazard and adverse selection. Thus, it is crucial to design the specific contents of deposit insurance system in a scientific and rational method. This paper proposed that the countryside medium and small financial institutions must be incorporated into the deposit insurance system and the corresponding premium rate shall be kept in a relatively low level.%存款保险制度对于保护中小储户的利益、维护金融稳定有着积极的作用。但存款保险制度容易产生道德风险和逆向选择，因此科学合理地设计存款保险制度的具体内容至关重要。农村中小金融机构有必要纳入存款保险体系中，但是对其征收保费费率要控制在较低水平之内。