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

机译:中国存款保险制度的保障范围研究

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摘要

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,全球的存款保险制度一直在保护存款人的利益和稳定金融体系中发挥作用。由于存款保险的保障范围在其设计中起着重要的作用,因此存款保险制度的功能是本文结合国际经验和中国国情,对四种补偿形式进行了具体分析,分别根据存款规模确定补偿范围,根据到期日确定补偿范围。存款,共同保险和市场导向的存款保险。建议将存款保险与限额和共同保险相结合。最后,对存款保险的封闭式最优保护率进行分析。通过本文中建立的模型为设计提供一些建议覆盖范围将根据中国的经济发展情况进行调整。

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