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Position: Home > Articles > Design of the Deposit Insurance System in China through the International Experience Journal of Xinyang Agriculture and Forestry University 2014 (3) 59-62

从国际经验看我国存款保险制度设计

作  者:
赵素芳;李毓
单  位:
信阳师范学院经济学院
关键词:
存款保险制度;国外经验;模式设计
摘  要:
分析美国、德国、日本及韩国存款保险制度建立的成功经验和失败教训,结合我国金融市场发展不完善的特殊国情,考虑到我国存款保险制度可能面临的道德风险及逆向选择问题,在存款保险机构的性质、筹资安排、保费设计、投保方式等方面对我国即将推出的存款保险制度进行了设计。
译  名:
Design of the Deposit Insurance System in China through the International Experience
作  者:
ZHAO Su-fang;LI Yu;School of Economics,Xinyang Normal University;
关键词:
deposit insurance system;;overseas experience;;pattern design
摘  要:
Through deeply analyzing the deposits insurance system of United States,Germany,Japan and the Korea,learning the success experience and summerizing failed lessons,meanwhile,combining the special conditions of China that the financial markets development is not perfect yet,considering the deposits insurance system may face moral risk and the reverse select problem in China,we designed the future deposits insurance system of China in the aspects of institution's nature,funding arrangements,premium design,and insured way.

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