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中国存款保险制度设计的初步框架中国人民银行副行长苏宁长期以来,中国实行国家隐性存款担保政策,随着市场经济的发展,其弊端日益明显,特别是容易诱发道德风险,必须转为显性的存款保险制度。人民银行已会同财政部、银监会、国务院法制办、发改委成立了《存款保险条例》起草工作小组,正在进行存款保险制度设计和论证,未形成最终的结论,但理论界及有关方面达成的初步共识,基本的制度框架应包括:第一,所有存款类金融机构都必须参加存款保险计划。包括境内国有商业银行、股份制商业银行、城市商业银行、合作银行、城市信用社、农村信用社和邮政储蓄银行等。第二,存款保险机构可设计成存款保险管理委员会,为具有一定行政管理职能的事业单位。存款保险管理委员会负责存款保险基金的征收、赔付和运用,对投保金融机构缴纳保费和损失情况进行检查,
The Initial Framework of China’s Deposit Insurance System Design Suning, Deputy Governor of the People’s Bank of China For a long time, China has implemented the national policy of recessive deposit guarantee. With the development of market economy, its drawbacks have become increasingly evident. In particular, it is easy to induce moral hazard and must be turned into significant Sex deposit insurance system. The People’s Bank of China has set up a draft working group on drafting deposit insurance regulations in conjunction with the Ministry of Finance, the Banking Regulatory Commission, the Legislative Affairs Office of the State Council, and the NDRC. The final design of the deposit insurance system is under way and no final conclusion is reached. However, preliminary consensus reached between the theoretical circles and relevant parties The basic institutional framework should include: First, all depository financial institutions must participate in the deposit insurance scheme. Including domestic state-owned commercial banks, joint-stock commercial banks, city commercial banks, cooperative banks, urban credit cooperatives, rural credit cooperatives and postal savings banks. Second, the deposit insurance institution may be designed as a deposit insurance management committee, which is a public institution with certain administrative functions. Deposit Insurance Commission is responsible for the collection, payment and application of deposit insurance funds, insured financial institutions to pay premiums and loss checks,