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历时20余年的存款保险制度,今天,终于看到了眉目。11月30日,《存款保险条例(征求意见稿)》下发到各个金融机构征求社会意见,坊间却从这一条例中引申出银行将要破产的另一个话题。对于大多数人而言,从存款保险制度向银行破产的话题引申,其内在逻辑是模糊的。长期以来,中国商业银行的信用并不是来自于自身,而是国家。存款保险制度推行后,在制度层面上意味着国家信用将退出银行业,而商业信用则取而代之。与国家的信用相比,商业信用显然是脆弱的,是不可靠的,据此银行破产则将成为一种顺理成章的现象。
Twenty years of deposit insurance system, today, finally saw the eyebrows. On November 30, the Deposit Insurance Ordinance (Draft for Comment) was sent to various financial institutions for public comment. However, another explanation from this regulation is that the bank will go bankrupt. For most people, the extension of the topic of bankruptcy from the deposit insurance system to banks is inherently ambiguous. For a long time, China’s commercial bank credit does not come from itself, but the country. After the implementation of the deposit insurance system, at the institutional level, it means that national credit will be withdrawn from the banking sector while commercial credit will be replaced. Commercial credit is apparently fragile and unreliable compared to national credit, and bank insolvency will be a matter of course.