论银行存款保险制度在我国的可行性[摘要]存款保险制度是一个系统，以保障存款人的利益，维护健康有序的金融秩序，银行因意外事故破产债务清偿的法律形式确立。简而言之，是一种危机银行“买单”制度，即建立存款保险机构支付保费从各种存款类金融机构，一度面临破产的存款保险机构的保险机构支付一定量的保证金制度。为了确保国家的金融稳定，中国已实际实行了包括金融机构市场，优先事项和国家存款保险责任的存款保险制度，在维护金融稳定发挥了积极作用。但在市场上的主力军的过度依赖国家信用，大量滥用的道德风险。我们国家在新形势下为了满足建立较强的竞争意识，促进银行业金融机构主动寻求自我发展的能力，建立更加合理的金融体系，迫切需要建立存款保险制度。[关键词]存款保证金制度;必要性分析;可行性分析OnthefeasibilityofthedepositinsurancesysteminChinaAbstract：Thedepositinsurancesystemisasysteminordertosafeguardtheinterestsofdepositors,safeguardthehealthyandorderlyfinancialorder,establishedbythelegalformofabankduetoanaccidentbankruptcydebtsettlement.Simplyput,isacrisisbanks"pay"system,namelytheestablishmentofadepositinsuranceinstitutiontopaythepremiumsfromavarietyofdeposit-takingfinancialinstitutions,oncetheinsuredinstitutionsfacingbankruptcybytheinsuranceagencyforthedepositortopayacertainamountdepositsystem.Hasbeen,inordertomaintainthecountry'sfinancialstability,ChinaisactuallypracticedtheStatedepositinsuranceresponsibilityforthemarketexitoffinancialinstitutions,savingsdepositspaidinpriorityandfullacquisitionofthepolicy,althoughthisimplicitdepositinsurancesystemfortheprotectionofdepositorsinterestsplayedanactiveroleinmaintainingfinancialstability,butledtothemainplayersinthemarketover-relianceonthenationalcredit,alargenumberofabusesofmoralhazard.Toformastrongersenseofcompetition,inordertopromotethebankingfinancialinstitutionstaketheinitiativetoseekself-developmentcapabilities,tobuildamorereasonablefinancialsystem,urgentlyneedstoestablishadepositinsurancesysteminlinewithmarketeconomystandardsatthesametimesuitableforChina.Keywords：savingsdepositsystem；theneedforanalysis；feasibilityanalysis目录中文摘要及关键词-----------------------------------------------------------------------------------------------------2英文摘要及关键词-----------------------------------------------------------------------------------------------------3目录-----------------------------------------------------------------------------------------------------------------------41、绪论-------------------------------------------------------------------------------------------------------------------51.1文献综述-------------------------------------------------------------------------------------------------------51.2术语说明-------------------------------------------------------------------------------------------------------52、银行存款保险制度发展过程及功能----------------------------------------------------------------------------62.1银行存款保险制度的发展过程：-------------------------------------------------------------------------62.2银行存款保险制度的功能----------------------------------------------------------------------------------63、在我国建立存款保险制度的必要性分析----------------------------------------------------------------------73.1需要中国的商业银行实施有效监管----------------------------------------------------------------------73.2建立存款保险制度是在中国金融改革的迫切需要----------------------------------------------------83....
