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随着我国市场经济体制的建立 ,银行业竞争的格局已经形成 ,经营风险也日益加剧。存款保险制度在我国是否可行 ,需要衡量比较实施存款保险的成本与没有存款保险的情况下预期的社会成本才能作出结论。而目前我国市场化程度不深 ,缺乏足够有市场管理经验的专业银行管理者和成熟的金融消费者 ,金融结构不完善 ,金融市场不发达 ,并且存款保险制度具有道德风险的完全形态 ,因此 ,我国对存款保险制度的适时引入和制定必须谨慎从之。
With the establishment of the market economy system in our country, the pattern of competition in the banking industry has taken shape and the operational risks are also aggravating day by day. Whether the deposit insurance system is feasible in our country needs to measure the comparative cost of deposit insurance and the expected social cost without deposit insurance. At present, the degree of marketization in our country is not so deep, there are not enough specialized bank managers and mature financial consumers with market management experience, the financial structure is not perfect and the financial market is underdeveloped, and the deposit insurance system has the complete form of moral hazard. Therefore, China’s deposit insurance system should be introduced in a timely manner and formulated from caution.