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摘要本文主要对我国现有存款保险条例及银行市场退出的不足之处，提出针对性的完善措施。完善的存款保险制度，能够最大限度保护存款人利益，使银行能够公平竞争，降低道德风险与逆向选择的负面影响，使资源得到有效配置。而完善健全的银行市场退出机制，使得问题银行有效退出市场，降低其风险传染性，使得市场更具活力。本文运用现状分析法和对比分析法，发现中国现推出的存款保险制度过于原则化，对具体措施的规定过少。根据我国大力发展民营银行的背景，我国对于银行退出的老一套处理方式已经无法与现有的金融环境相适应。与国外的建设相比，我国存款保险制度在机构规模、保费设计、投保范围、机构功能方面存在缺失，银行市场退出的建设更是不健全，在法律、监管、对流方式上急需完善。在汲取国外经验的基础上，结合我国国情，出台保费实施细则、确定基金规模、加强事前监管这三个具体措施来完善我国存款保险制度。银行市场退出的完善则需从制定特定法律、统一辨识问题银行标准、推进银行准入改革进行。49983
毕业论文关键词：存款保险制度；银行市场退出机制；完善
Research on the Improvement of Deposit Insurance System and Banking Market Exit Mechanism
Abstract The aim of this paper is to propose specific measures to improve deposit insurance system and bank market exit regulations. A perfect deposit insurance system can protect the interests of depositors fully and promote fair competition between banks. It also can reduce the negative impact of moral hazard and adverse selection and promote the efficient allocation of resources ultimately. A perfect banking market exit mechanism can elimination troubled banks out of the market, reduces the risk infectious and maintain vitality of the market. Using the current situation analysis and comparative analysis methods, we find that the deposit insurance system in China is too principle because of lacking specific measures. We also find that the old approach of banking exit can not adapt to the existing financial environment in the background of rapid development the private banks. After comparing with foreign countries, we think that the deposit insurance system in China is not perfect in the size of the deposit insurance system agencies, premium design, scope of coverage, and lack of institutional functions. We also think that the banking market exit system in China is not perfect in law-making , regulation and convection. On the basis of absorbing foreign experiences, we put forward some proposals to improve the system of deposit insurance, including introduction detail rules in premium design, determining the fund scale, strengthening the ex ante supervision. We also put forward some proposals to improve the banking market exit system including introduction particular law standard, unifying the identification of problem banks, promoting the reform of banking access.
Key Words: deposit insurance system；bank market exit mechanism；improve
目 录
摘 要 I
Abstract II
目 录 IV
一 绪论 1
（一）选题的背景与研究意义 1
（三）研究思路 3
二 我国存款保险与银行退出的现状分析 4
（一）我国存款保险制度的现状分析 4
（二）我国银行市场退出的现状分析 5
三 国外存款保险与银行退出机制的建设分析