| 从国际经验看我国存款保险制度设计 |
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| 引用本文： | 赵素芳,李毓.从国际经验看我国存款保险制度设计[J].信阳农业高等专科学校学报,2014(3):59-62. |
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| 作者姓名： | 赵素芳 李毓 |
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| 作者单位： | 信阳师范学院经济学院,河南信阳,464000 |
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| 基金项目： | 河南省教育厅科学技术研究重点项目(14B910001)。 |
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| 摘 要： | 分析美国、德国、日本及韩国存款保险制度建立的成功经验和失败教训,结合我国金融市场发展不完善的特殊国情,考虑到我国存款保险制度可能面临的道德风险及逆向选择问题,在存款保险机构的性质、筹资安排、保费设计、投保方式等方面对我国即将推出的存款保险制度进行了设计。
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| 关 键 词： | 存款保险制度 国外经验 模式设计 |
Design of the Deposit Insurance System in China through the International Experience |
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| ZHAO Su-fang,LI Yu.Design of the Deposit Insurance System in China through the International Experience[J].Journal of Xinyang Agricultural College,2014(3):59-62. |
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| Authors: | ZHAO Su-fang LI Yu |
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| Institution: | ( School of Economics, Xinyang Normal University, Xinyang 464000, China) |
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| Abstract: | Through deeply analyzing the deposits insurance system of United States, Germany, Japan and the Korea , learning the suc-cess experience and summerizing failed lessons, meanwhile, combining the special conditions of China that the financial markets devel-opment is not perfect yet, considering the deposits insurance system may face moral risk and the reverse select problem in China,we de-signed the future deposits insurance system of China in the aspects of institution’ s nature, funding arrangements, premium design, and insured way. |
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| Keywords: | deposit insurance system overseas experience pattern design |
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