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A Study on the Protective Coverage of Deposit Insurance System in China

机译:中国存款保险制度保护覆盖研究

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Since the outbreak of the financial crisis,deposit insurance system around the world has functioned in protecting the depositors' interests and stabilizing the financial system.As the protective coverage of deposit insurance plays an important part in its design,the function of deposit insurance system is directly influenced by whether the protective coverage is properly designed.This paper,connecting the international experience and China's national conditions,makes specific analysis on the four forms of compensation which are identifying the compensation scope based on deposit size,identifying the compensation scope based on maturity of deposits,co-insurance and market-oriented deposit insurance.And it suggests that we should take the way combining the deposit insurance with coverage limit and co-insurance.Finally,the analysis is given on the closed optimal protective ratio of the deposit insurance in China through a model set up in the paper to provide some suggestions on the design of the coverage limit.The coverage limit will be adjusted with the economic development of China.
机译:自金融危机爆发以来,世界各地的存款保险制度在保护存款人的利益和稳定金融体系方面起作用。存款保险的保护范围在其设计中发挥了重要作用,存款保险制度的功能直接影响保护覆盖是否适当设计。这篇论文,连接国际经验和中国的国情,对四种形式的赔偿进行了具体分析,这些补偿是根据存款规模确定补偿范围,确定了基于成熟度的补偿范围存款,共同保险和以市场为导向的存款保险。这表明我们应该采取覆盖限制和共同保险的存款保险。最后,对矿床保险的封闭式保护比进行分析在中国通过一个模特设置的模型,为设计提供了一些建议覆盖范围。覆盖范围将根据中国的经济发展调整。

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