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ID:5371718
大小:1.76 MB
页数:68页
时间:2017-12-08
《关于建立我国存款保险制度的研究.pdf》由会员上传分享,免费在线阅读,更多相关内容在学术论文-天天文库。
1、广西大学硕士学位论文关于建立我国存款保险制度的研究姓名:林琳申请学位级别:硕士专业:金融学指导教师:尹建国;张辉19990501ONTHEST【ⅢYOFES.IABLISHINGDEPOSITINSURANCESYSTEM0FOURCOUNTRyPrefa∞DepositinsurancesystemoriginatedintheU.S.hasnowbecomeanimportantpartofthefinancialsupervisoryandcenlrolsystem/nmanycountriesIthaspla
2、yedanincreasin91)importantroleinpreventingfinancialpanicendbankingsystemcrisisandsafeguardingthedepositor‘sinterest.Withthedevelopmentofoursocialistmarketeconomyanddeepeningoffinancialsystemreform,financialindustryhasmadeunprecedentedprogressandincreasinelYbeco
3、me”themoderneconomycore”.Atpresentandillafutureperiod,depositingthesurplusmoneyinbanksisstilltheChineseresidents’firstalternativeofsavingmoneybecauseoftheirtraditionalpsychol093佃ayingattentiontotkrift)andtheirconventionalconceptthat”bankshaveuorisksIt,According
4、totheinformationpublishedbyIMFonrnationalsavingsratehasbeenrankingfirstsofarsince1970sFrom1989to1997.thenationalsavingsofourcountrycoveredmorethan35%ofGNPBytheendof1998.thebalanceofnationalsavingsdepositsofbothurbanandrurnlresidentshadamountedto54307billionyuan
5、,increased171%.nmaccumulatedsavingsdepositsofthewholeyearincreased7615billionyuan,added116billionyuanagainst1997Butforalongtime,filecmlslructionofourfinancialsuperviso巧andconn'olsystemhasrelativelylaggedbehind,financialrisksaccumulatedinbankingindustryhavebeeni
6、ncreasinglylargerandexposed.iiisomeareasrim-onbankcrisishasoccurred.Underthesesituations,safeguardingdepositor’sinterest,increasingdepositor'sconfidenceinbanksandotherfinancialinstitutions,thusavoidingawiderangeoffinancialrisksarisingfromdepositor。srunonbanksar
7、ecurrentlyarealisticissuefacedbythefinaneiMcirclesItisthereforenecessarytoestablishdepositinsurancesystemadaptabletotheconditionsofourcounlffy.Thispaperdiscussesthenecessity,urgencyandfeasibilityofestablishingourdepositinsurancesystemfromthetheoreticalandpracti
8、calpointoJlviewbyusingtheexperienceandlessonsofthedepositinsurancesystemofthewesterncountriesforourreference.anddiscusseshowtoestablishadepositiusurancesystemsuitabletotheco
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