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对存款人在银行的存款实行保险制度是世界上很多国家的通行做法。俄罗斯在1998年的金融危机后,加快了存款保险制度的立法进程,于2003年底在全俄实行了银行存款保险制度,并在2004年7月暴发的银行挤兑风波中经受了考验,初步显现出稳定“军心”的作用,卢布币值未发生大的波动。俄罗斯与中国同为经济转型国家,因此,其实行的存款保险制度对我国更具有现实的参考价值。本文认为,建立我国的存款保险制度应符合中国的国情,先从中小银行开始,并与进一步加强银行市场准入的资本金监管结合起来。
The implementation of insurance for depositors’ deposits in banks is a common practice in many countries in the world. After the financial crisis of 1998, Russia accelerated the legislative process of the deposit insurance system. At the end of 2003, Russia implemented the bank deposit insurance system in all of Russia and was tested in the banking crisis in July 2004. It initially showed that Stable “military heart ” role, the ruble currency value did not occur major fluctuations. Russia and China are both countries with economies in transition. Therefore, the deposit insurance system in place is more realistic reference value to our country. This paper argues that the establishment of China’s deposit insurance system should be consistent with China’s national conditions, beginning with the small and medium banks, and to further strengthen the banking market access control of capital combined.