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我国《存款保险条例》是我国金融改革计划的重要内容,但在引进存款保险制度的同时,应当确立防范道德风险的意识。文章从现有理论抽丝剥茧,归纳出存款保险领域道德风险的本源概念,再结合道德风险概念的本质,从道德风险的三方利益主体——投保银行、监管部门和存款人出发,分析我国《存款保险条例》的不足,提出应当通过逐步落实风险差别费率、监管部门部分担责以及风险差别比例赔付等措施,有效防范现今我国《存款保险条例》实践过程中存在的风险。
China’s “Deposit Insurance Regulations” is an important part of China’s financial reform plan. However, while introducing the deposit insurance system, we should establish the awareness of preventing moral hazard. Based on the existing theories, this paper summarizes the original concept of moral hazard in the field of deposit insurance. Combining with the essence of the concept of moral hazard, this paper analyzes the concept of deposit insurance in our country based on the tripartite stakeholders of moral hazard - insured banks, regulators and depositors The paper puts forward that we should effectively prevent the risks in the practice of “Deposit Insurance Regulations” in our country through the gradual implementation of the risk differential rates, the partial responsibility of the regulatory authorities and the proportional compensation for risk differences.