摘要我国的存款保险制度从2015年5月1日起正式实施，作为金融安全网三大防线之一，它的出台最重要的影响是改变了商业银行的行为方式及运作机制。在目前的金融市场背景下，我国银行业的监管正在逐步放松，存款保险制度的实施有助于推进利率市场化和金融市场化。文章从《存款保险条例》的组织机构实施、费率确定、参保主体及偿付限额等方面对现行存款保险制度的模式进行分析，认为存款保险模式完善了银行退出机制，有利于银行间的公平竞争和促进银行改善治理结构等，但同时也带来了道德风险，对银行内外部监管也提出了更高要求。最后，文章提出银行应采取加快转型升级、拓展经营多元化和加强风险体系建设等应对之策。49243

毕业论文关键词：存款保险制度；利率市场化；金融改革；市场化经营

The Analysis on the Influence of the Implementation of Deposit Insurance System on Bank Behaviors

Abstract

On May 1, 2015, the deposit insurance system in China was implemented, playing the role as one of the three financial safety nets. The most important influence of the system is to change the behavior of commercial banks and the operation mechanism. Against the current financial market background, China's banking regulation is gradually loosened, and the implementation of the deposit insurance system will help to promote the process of interest rate and financial marketization. This paper analyses the current mode of deposit insurance system from the aspects of the organizational framework, rate determination, insurance participants and reimbursement limitations stipulated by deposit insurance regulations. It is considered that the deposit insurance mode improves the exit mechanism for banks and is good for promoting fair competitions between banks as well as urging them to improve their administrative structures. At mean time, however, the deposit insurance mode also brings about moral risks, thus making higher requirements for supervision from both inside and outside the bank system. Last but not least, it is recommended that banks should accelerate their pace of transformation and upgrading, expanding business persification and strengthening the construction of risk-preventing system.

 Key Words：deposit insurance system  interest rate liberalization  financial reform   market-oriented management

目　录

　摘  要 I

Abstract II

目　录 III

一  导论 1 

（一）选题背景和意义 1 

（二）文献综述 1 

二  存款保险制度的国际比较 4 

（一）我国现行存款保险制度的内容 4 

（二）存款保险制度的国际比较 5 

（三）国际经验下存款保险制度对银行业影响的启示 7 

三  存款保险制度对银行业的影响 9 

（一）存款保险制度对中国银行业的正面影响 9 

（二）存款保险制度对中国银行业的负面影响 11

四  商业银行的应对措施 14 

（一）强化内部风险管控 14 

（二）加快业务升级创新，弥补经营管理缺陷 14