發(fā)布時間：2018-03-07 06:08

  本文選題：金融體制改革　切入點：金融危機　出處：《長安大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：金融業(yè)是現(xiàn)代經(jīng)濟的核心，銀行又是金融業(yè)的核心。銀行業(yè)的穩(wěn)定對現(xiàn)代經(jīng)濟的發(fā)展有著重要的作用，而銀行負債經(jīng)營的特點造成其內(nèi)在風(fēng)險性，銀行危機容易誘發(fā)系統(tǒng)性的金融危機，，甚至導(dǎo)致整體經(jīng)濟的衰退。構(gòu)建存款保險制度以確保銀行業(yè)安全是金融體制改革的主要內(nèi)容之一。本文所述的存款保險制度僅指顯性存款保險制度。 本文由緒論和第一至第四部分正文構(gòu)成： 緒論部分介紹了研究背景和意義、研究現(xiàn)狀、研究內(nèi)容及創(chuàng)新點、研究思路和方法，為全文的引入部分。 正文第一部分，通過對金融體制改革和存款保險制度的界定，得出兩者間的關(guān)系：構(gòu)建存款保險制度是其重要內(nèi)容，構(gòu)建存款保險制度是深化我國金融體制改革的必然要求，金融體制改革為存款保險制度提供了宏觀的發(fā)展方向。通過分析我國金融體制改革歷程，得出其改革方式以“漸進”為主，“激進”為輔，其改革趨勢為金融市場自由化、銀行利率市場化、金融機構(gòu)經(jīng)營混業(yè)化。金融體制改革的方式與趨勢決定著構(gòu)建存款保險制度的方式與趨勢。 正文第二部分，分析了我國構(gòu)建存款保險制度所面臨的三大問題：第一，一般而言存款保險制度僅指顯性存款保險制度，廣義上則還包括隱性存款保險制度。我國隱性保險制度是改革開放初期的產(chǎn)物，隨著金融體制改革的不斷深入，其弊端日益顯露，已不能適應(yīng)逐漸市場化的金融體系；第二，相關(guān)制度不完善影響存款保險制度的有效運行：金融安全網(wǎng)不健全、銀行市場退出機制缺失以及信息披露制度欠缺；第三，銀行業(yè)結(jié)構(gòu)失衡使投保主體缺乏參保積極性。 正文第三部分，從三個維度對國外存款保險制度進行比較，總結(jié)國外存款保險制度的經(jīng)驗與教訓(xùn)，為我國存款保險制度的制定提供有益的借鑒。第一，從金融體制改革階段的視角，分析存款保險制度在不同金融體制改革時期的特點，得出在一些國家中金融體制激進式改革是對金融危機的應(yīng)激反應(yīng)，存款保險制度由此而生，而其他國家則借鑒前者的經(jīng)驗和教訓(xùn)，通過對金融體制的漸進式改革，確立符合本國國情的存款保險制度來防范金融危機，并取得了較好的效果；第二，從法律制度視角，比較分析國外存款保險法律制度，得出其隨著金融體制改革歷程而不斷發(fā)展，并產(chǎn)生了國際規(guī)范；第三，從發(fā)展趨勢視角，對比各國存款保險制度的變化，總結(jié)存款保險制度的發(fā)展趨勢。 正文第四部分，在前文論述的基礎(chǔ)上認(rèn)為：第一，我國已具備構(gòu)建存款保險制度的現(xiàn)實條件：宏觀經(jīng)濟環(huán)境良好，銀行業(yè)改革初見成效，金融法律規(guī)范日漸完善；第二，要將我國隱性存款保險制度顯性化，最有效的途徑就是立法，制定《存款保險法》規(guī)范存款保險制度是構(gòu)建存款保險制度的首要步驟；第三，完善相關(guān)制度以輔助存款保險制度的有效運行，其中包括健全我國金融安全網(wǎng)、完善銀行市場退出機制、完善信息披露制度；第四，優(yōu)化銀行業(yè)結(jié)構(gòu)，不僅可以繁榮銀行市場，提升銀行競爭力，而且能促進存款保險制度的有效運行。 本文采用了經(jīng)濟分析法、歷史分析法、實證分析法等多種研究方法，在金融體制改革視角下，以存款保險制度為研究對象，針對構(gòu)建我國存款保險制度中所面臨的問題，借鑒國外成功經(jīng)驗和吸取其教訓(xùn)，結(jié)合我國的具體國情，提出符合我國國情的存款保險制度框架構(gòu)想。存款保險制度是構(gòu)成現(xiàn)代金融安全網(wǎng)的基本要素之一，是我國金融體制改革的重要內(nèi)容，一套設(shè)計良好的存款保險制度將能有效防范銀行危機，維護金融穩(wěn)定，深化金融體制改革，促進我國社會主義市場經(jīng)濟建設(shè)。
[Abstract]:The financial industry is the core of modern economy, the bank is the core of the financial industry. It plays an important role in the stability of the banking industry on the development of modern economy, and the bank debt management features caused by the inherent risks of the banking crisis, are likely to cause systemic financial crisis, and even lead to the decline of the economy. The construction of deposit insurance system in order to ensure the safety of banking industry is one of the main contents of the reform of the financial system. The deposit insurance system only refers to the explicit deposit insurance system.
This article consists of the introduction and the first and fourth parts of the text.
The introduction part introduces the research background and significance, the research status, the research content and the innovation point, the research ideas and methods, which is the introduction part of the full text.
In the first part, through the definition of the reform of the financial system and the deposit insurance system, the relationship between the two: the construction of deposit insurance system is the important content of the construction of deposit insurance system is the inevitable requirement of deepening the reform of financial system in China, the reform of the financial system to provide direction for the macroscopic deposit insurance system through the analysis of the reform process. China's financial system reform, the way to "progressive", "radical" as a supplement, the reform trend of financial market liberalization, the bank interest rate market, financial institutions mixed operation. The reform of the financial system and determines the trend of the construction of deposit insurance system mode and trend.
The second part analyzes three major problems facing the construction of deposit insurance system in China: first, generally only refers to the deposit insurance system, deposit insurance system, it also includes the generalized implicit deposit insurance system in our country. The implicit insurance system is a product of the reform and opening up, with the deepening of financial system reform, the the increasing shortcomings, has been unable to meet the increasingly market-oriented financial system; second, the effective operation of the relevant system is imperfect, the impact of the deposit insurance system, financial safety net is not perfect, the lack of exit system and information disclosure mechanism to the banking market; third, the banking structure imbalance that the insured subject lack insured enthusiasm.
In the third part, from the comparison of foreign deposit insurance system of the three dimensions, summarize the experience and lessons of foreign deposit insurance system, provide useful lessons for the development of deposit insurance system in China. First, from the stage of the reform of the financial system perspective, analysis of the characteristics of the deposit insurance system in the reform of the financial system in different period, the some countries in the financial system reform is the radical stress response to the financial crisis, the deposit insurance system which, while others learn from the experience and lessons learned, through the gradual reform of the financial system, with the establishment of its national deposit insurance system to prevent financial crisis, and has achieved good results; second and from the perspective of legal system, comparative analysis of the deposit insurance legal system abroad, the course of the reform of the financial system and the continuous development, and international norms; Third, from the perspective of development trend, compare the changes in the deposit insurance system in various countries, and summarize the development trend of the deposit insurance system.
The fourth part of the text, that on the basis of the above discussion: first, our country has the realistic condition of the construction of deposit insurance system: a good macroeconomic environment, the banking reform results, financial laws and regulations increasingly perfect; second, the implicit deposit insurance system in China is dominant, the most effective way is the legislation. Establish deposit insurance law > < code of deposit insurance system is the first step in the construction of deposit insurance system; third, improve the relevant system to assist the effective operation of the deposit insurance system, including a sound financial safety net in China, improve the banking market exit mechanism, improve the information disclosure system; fourth, optimize the structure of the banking sector, banks can not only prosperity the market, to enhance the competitiveness of the bank, but also can promote the effective operation of the deposit insurance system.
This paper adopts the method of economic analysis, historical analysis, empirical analysis and other methods, in view of the reform of the financial system, the deposit insurance system as the research object, aiming at the construction of facing the deposit insurance system in China, foreign successful experiences and lessons, combined with China's specific national conditions, put forward according to the situation of our country deposit insurance system framework. The system of deposit insurance is one of the basic elements of financial safety net, is an important part of China's financial system reform, a good design of the deposit insurance system will be able to effectively prevent the banking crisis, maintain financial stability, deepening the reform of the financial system, promoting China's socialist the construction of market economy.

【學(xué)位授予單位】：長安大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：D922.281

【引證文獻】

相關(guān)期刊論文 前2條

1 李愷寧;;淺談在金融危機下如何完善我國存款保險制度[J];中國商論;2016年03期

2 任慧敏;;芻議存款保險制度對金融機構(gòu)經(jīng)營行為的影響[J];信息化建設(shè);2016年02期

相關(guān)碩士學(xué)位論文 前4條

1 袁雯琪;論中國如何構(gòu)建合理有效的顯性存款保險制度[D];華東政法大學(xué);2016年

2 王衛(wèi)琴;我國存款保險制度及其后續(xù)效應(yīng)研究[D];江西師范大學(xué);2015年

3 趙慧敏;中國存款保險制度[D];河南大學(xué);2015年

4 李靜雪;論我國存款保險制度的構(gòu)建[D];長春工業(yè)大學(xué);2015年

本文編號：1578237