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深化金融改革、让市场配置资源如今已经深入人心,进展迅速。但是在人们关注利率市场化,民营资本开设银行等议题时,一些关键的基础设施却尚待建立。其中,存款保险制度和金融机构退出机制由于能够有效保护存款人,而且有助于营造公平的竞争环境和明晰监管者的角色,可以说是深化金融改革的前提条件。中国人民银行行长周小川在《十八届三中全会辅导读本》中撰文指出,通
Deepen financial reform so that market allocation of resources now enjoys popular support and rapid progress has been made. However, some key infrastructure has yet to be established when people pay attention to the marketization of interest rates and the opening of private capital by banks. Among them, the deposit insurance system and the withdrawal mechanism of financial institutions can be regarded as the preconditions for deepening financial reform because they can effectively protect depositors, and help to create a fair competitive environment and clarify the role of supervisors. Zhou Xiaochuan, governor of the People’s Bank of China, pointed out in his essay at the Third Plenary Session of the 18th CPC Central Committee