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摘要：随着我国经济和金融的迅猛发展，我国实体经济受到金融业的影响越来越大，因此，完善我国的金融安全体系就显得尤为重要。但是，作为金融安全网之一的存款保险制度在我国还没有建立起来。目前，我国实行的是隐性存款保险制度，以政府信用作为担保，其最大的缺点是它具有极大的随意性，没有规范的程序，不符合市场经济下高效、透明的原则，因此我国建立显性存款保险制度迫在眉睫。31000
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首先本文介绍了存款保险制度的具体概念及其简要发展历史，众所周知,存款保险制度建立的直接目的是为了文护存款者的利益和金融的稳定，它起源于处于经济危机的美国，随后在世界上得到了迅速发展。我国也从很早开始就了对建立存款保险制度的探索，经过多年的努力，存款保险制度呼之欲出。然后，本文从储户、金融机构、国家三个利益群体方面具体分析了存款保险制度的建立对他们可能产生的影响。对储户来说，存款保险制度的建立将文护他们的切身利益，但也可能会出现一些道德风险；对金融机构来说存款保险制度的建立意着更多的机遇和挑战，在为他们提供了一个更加公平的外部环境的同时也可能刺激他们的冒险行为；对我国整体来说，存款保险制度的建立有利于构建完整的金融安全体系，促进利率市场化的改革。最后本文针对可能产生的消极影响分别给出了一些建议。
毕业论文关键词：存款保险制度 道德风险 利率市场化 金融安全网
The effect of explicit deposit insurance system and its countermeasures
Abstract: With China's rapid economic and financial development, financial sector stability has growing influence on China’s real economy, therefore, improve China's financial safety net is very important. However, China’s deposit insurance system, as one of the financial safety net, has not been established. Historically, China's implicit deposit insurance is backed by Government credit system, there is no standard procedure, so it does not comply with the market economy principles of efficiency, transparency. Establishing China’s deposit insurance system immediately is very important.
At first, the article introduces the development and the concept of the deposit insurance system, the aim of establishing deposit insurance system is to safeguard the interests of depositors and financial stability of the financial system, this system originated from the crisis of the United States, has been developing rapidly in the world. After years of effort, China has ready to establish deposit insurance system. In the second part of this article, we analyzed the deposit insurance system’s impact on depositors, financial institutions, and state interests. The deposits insurance system maintenance the savior’s vital interests, but also will bring some moral risk; for financial institutions, deposits insurance system means more opportunities and challenge, it provides them a more fair external environment, while it also may stimulus their adventure behavior; for China’s overall interest, deposits insurance system conducive to building the perfect financial security system, promoting rates market of reform. Finally this article gives them some suggestions.
Key words: Deposit insurance system moral hazard rate market financial safety nets
目录
一、导论 5
（一）选题背景及意义 5
（二）文献综述 5
二、存款保险制度的概念及发展 7
（一）存款保险制度的概念 7
（二）存款保险制度的分类 7
（三）存款保险制度的发展 7
三、存款保险的建立对利益各方可能产生的影响 8