关于建立我国存款保险制度的研究.pdf

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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