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利率市场化作为我国金融体制改革的重要环节,发挥着资源优化配置、提高金融效率以及推进经济发展的作用。然而利率市场化也会加大银行风险,加剧金融体系的脆弱性,从而威胁金融安全。作为金融安全网的重要组成部分,存款保险制度自诞生以来在保护存款人利益、防范银行危机、降低金融稳定成本等方面具有重要的现实意义。借此推进利率市场化关键的时期,本文运用金融脆弱性等理论分析其重要的制度保障之一——存款保险制度。
As an important part of China’s financial system reform, the marketization of interest rates plays an important role in optimizing the allocation of resources, improving financial efficiency and promoting economic development. However, the marketization of interest rates will also increase the bank’s risk and aggravate the fragility of the financial system, thereby threatening financial security. As an important part of the financial safety net, the deposit insurance system has important practical significance in protecting depositors’ interests, preventing bank crisis and reducing the financial stability cost since their birth. In order to promote the key period of marketization of interest rates, this paper analyzes one of the important system guarantees, the deposit insurance system, using the theory of financial fragility.