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中国2015年推出了显性存款保险制度,故本文建立在深入研究日本建立存款保险制度后日本银行经营、储户行为的影响,认为存款保险制度的推出意味着自上而下利率市场化的进程再度加速,对于商业银行而言,负债端管理和维护的成本上升(市场化定价负债来源占比上升),迫使银行寻求业务拓展和金融创新;存款保险制度的建立没有影响储户持有的存款总量,但影响了储户的存款结构。即日本个人持有的总存款中储蓄存款的占比稳步上升,而现金、货币性存款的占比则稳步下降(1974年开始)。、从日本经验来看,存款保险制度建立初期,存款保险机构的收入有限,增长不快,存款保险基金规模有限,短期来看基金投资于债券市场对债市的影响有限。这对中国存款保险制度的建设都极具借鉴意义。
Since China launched the Dominant Deposit Insurance System in 2015, this article is based on an in-depth study of the impact of the operation and savers of Japanese banks upon the establishment of a deposit insurance system in Japan. The introduction of the deposit insurance system implies that the marketization of the interest rate from the top down Accelerating, for commercial banks, the rising cost of debt management and maintenance (the increase of market-oriented pricing liabilities) forced banks to seek business expansion and financial innovation. The establishment of deposit insurance system did not affect the total amount of deposits held by depositors , But affected the depositor’s deposit structure. That is, the proportion of savings deposits held by Japanese individuals in total deposits steadily increased while that of cash and currency deposits decreased steadily (beginning in 1974). From the experience of Japan, in the initial stage of the establishment of deposit insurance system, the income of deposit insurance institutions was limited and grew less than expected. The size of deposit insurance funds was limited. In the short run, the impact of fund investment in the bond market on the bond market was limited. This is very useful for the construction of China’s deposit insurance system.