关于我国存款保险制度的思考

黑龙江大学

本科生学年论文

论文题目：关于我国建立存款

保险制度的思考

学院：经济与工商管理学院

年级：2011级

专业：金融学

*名：**

学号：********

指导教师：***

2014年 6 月30日

摘要

存款保险制度是指一个国家为保护存款人利益和维护金融秩序的稳定，设立存款保险机构作为投保机构，由存款机构缴纳保险费，在存款机构因意外事故破产时可对债务清偿进行金融保障。存款保险制度有着很多不可替代的作用，使得其在各个国家得到广泛应用。

确定以《关于我国建立存款保险制度的思考》为毕业论文的选题，是基于当下的经济形势考虑的，本文以国内外对存款保险制度的研究现状为起点，在回顾存款保险制度相关理论的基础上，对建立存款保险制度的必要性和可行性进行分析，主要研究中国存款保险制度的构建以及对其模式选择进行探讨。通过学习、比较和分析研究，对存款保险制度的相关内容有一个比较完整的认识，并对我国在今后的经济发展过程中选择存款保险模式和建立存款保险制度，提出科学、有效的建议。

关键词

存款保险制度；金融风险；模式选择

Abstract

Deposit insurance system is to protect the interests of depositors and maintain the stability of the financial system for one country, and seting up the deposit insurance institutions as insurance authority, the deposit institutions pay insurance premium, when the savings institutions bankrupt due to an accident of debts the bankruptcy can have financial security. Deposit insurance system has many irreplaceable role, making it widely applied in various countries.

To determine the topic-一“Reflections on establishment of a deposit insurance system in China"as the graduation thesis, is based on the current economic situation .This paper regards research status of the domestic and overseas deposit insurance system as a starting point, and reviews on the base of the theory related deposit insurance system, and analyzes the necessity and feasibility of the establishment of deposit insurance system, mainly to study the construction of the deposit insurance system and explore its mode selection. Through the study, comparison and analysis, a more complete understanding of the content of the deposit insurance system is formed, and scientific and effective recommendations about selecting the deposit Insurance and the establishment of a deposit insurance system can be received, during the course of future economic development of China.

Keywords

deposit insurance system; financial risk; mode selection

目录

摘要 ..................................................................... I 关键词 ................................................................... I Abstract ..................................................................................................................................... I I Keywords ................................................................................................................................... I I 前言 (1)

一、我国存款保险制度的发展历程及意义 (2)

二、存款保险制度的优势及弊端 (3)

三、主要国家存款保险制度实践经验 (7)

（一）美国存款保险制度实施给我国带来的经验 (7)

（二）日本存款保险制度 (7)

（三）各国存款保险制度对我国的启示 (8)

四、我国建立存款保险制度的构想 (9)

结论 (11)

参考文献 (12)

致谢 (13)