| 美加存款保险制度的分析及其对我国的启示 |
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| 引用本文： | 万红.美加存款保险制度的分析及其对我国的启示[J].西安邮电学院学报,2010,15(4):93-94,97. |
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| 作者姓名： | 万红 |
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| 作者单位： | 西安交通大学,继续教育学院,陕西,西安,710061 |
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| 摘 要： | 存款保险制度其核心在于为金融体系提供一张安全网,防止存款个人因个别金融机构的倒闭而对其他金融机构失去信心。美国和加拿大两国的存款保险制度各有千秋也具有不同的特点,他们的存款保险制度经过不断地发展和完善,创造了许多好的经验和做法。我国一直实行的是隐性存款保险制度,迫切需要借鉴美加的经验建立显性的存款保险制度。当前是推出我国存款保险制度的良好时机,依法构建我国存款保险机构,保证存款保险体系的独立性。
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| 关 键 词： | 联邦存款保险 金融稳定 金融安全 |
United States and Canada Deposit Insurance System and Its Implications for China |
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| WAN Hong.United States and Canada Deposit Insurance System and Its Implications for China[J].Journal of Xi'an Institute of Posts and Telecommunications,2010,15(4):93-94,97. |
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| Authors: | WAN Hong |
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| Affiliation: | WAN Hong (School of Continuous Education,Xi＇an Jiaotong University,Xi＇an 710061,China) |
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| Abstract: | United States and Canada have their own characteristics of the deposit insurance system.Canada＇s deposit insurance system has undergone continuous development and improvement,and created a lot of experiences.China has been pursuing an implicit deposit insurance system,and is in an urgent need to draw on the experience of United States and Japan to establish explicit deposit insurance system. |
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| Keywords: | federal deposit insurance financial stability financial security |
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