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存款保险制度公开征求意见

来源: 南方日报网络版     时间: 2019年01月18日 03:00:51
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(  自)(1993年)(《国)(务)(院)(关)(于)(金)(融)(体)(制)(改)(革)(的)(决)(定)(》提)(出)(建)(立)(存)(款)(保)(险)(制)(度)(以)(来)(,到)(草)(案)(已)(过)(去)(21年)(。今)(年)(下)(半)(年)(以)(来)(,央)(行)(等)(已)(就)(该)(项)(制)(度)(的)(推)(出)(频)(频)(吹)(风)(,如)(8月)(央)(行)(研)(究)(局)(首)(席)(经)(济)(学)(家)(马)(骏)(表)(示)(,存)(款)(保)(险)(制)(度)(出)(台)(的)(各)(项)(准)(备)(工)(作)(基)(本)(就)(绪)(,并)(将)(对)(银)(行)(实)(行)(全)(覆)(盖)(,推)(出)(不)(分)(先)(后)(。  30日)(草)(案)(显)(示)(,存)(款)(保)(险)(制)(度)(将)(覆)(盖)(至)(所)(有)(银)(行)(业)(吸)(收)(存)(款)(类)(机)(构)(,包)(括)(农)(村)(合)(作)(银)(行)(、农)(村)(信)(用)(合)(作)(。也)(即)(全)(部)(存)(款)(类)(机)(构)(都)(需)(要)(强)(制)(投)(保)(,以)(防)(发)(生)(恐)(慌)(性)(挤)(兑)(。其)(中)(最)(高)(赔)(付)(上)(限)(为)(50万)(,超)(出)(部)(分)(依)(法)(从)(投)(保)(机)(构)(清)(算)(财)(产)(中)(受)(偿)(。  当)(前)(宏)(观)(经)(济)(放)(缓)(,银)(行)(监)(管)(缩)(紧)(,利)(率)(市)(场)(化)(的)(推)(进)(又)(挤)(压)(利)(差)(空)(间)(,一)(旦)(利)(率)(市)(场)(管)(制)(放)(开)(,可)(能)(导)(致)(银)(行)(有)(强)(烈)(的)(动)(机)(高)(息)(揽)(储)(,资)(产)(承)(担)(更)(高)(风)(险)(,储)(户)(一)(旦)(认)(为)(有)(违)(约)(风)(险)(易)(发)(生)(挤)(兑)(,因)(而)(存)(款)(保)(险)(制)(度)(被)(认)(为)(非)(常)(必)(要)(。  朱)(宁)(介)(绍)(,该)(项)(制)(度)(有)(三)(个)(作)(用)(:一)(是)(通)(过)(第)(三)(者)(的)(方)(式)(保)(证)(储)(户)(存)(款)(安)(全)(;二)(是)(在)(此)(基)(础)(上)(不)(会)(因)(短)(期)(市)(场)(波)(动)(而)(出)(现)(挤)(兑)(导)(致)(银)(行)(破)(产)(的)(可)(能)(性)(,增)(加)(金)(融)(系)(统)(稳)(定)(性)(;三)(是)(设)(立)(存)(款)(保)(险)(制)(度)(之)(后)(,有)(助)(市)(场)(利)(率)(放)(开)(之)(后)(,引)(导)(银)(行)(在)(控)(制)(风)(险)(情)(况)(下)(来)(竞)(争)(。  不)(过)(,短)(期)(内)(存)(款)(保)(险)(制)(度)(的)(推)(出)(可)(能)(带)(来)(存)(款)(市)(场)(的)(一)(定)(波)(动)(,可)(能)(出)(现)(存)(款)(搬)(家)(。一)(位)(股)(份)(制)(商)(业)(银)(行)(人)(士)(则)(向)(人)(民)(网)(记)(者)(指)(出)(,“明)(显)(的)(,存)(款)(保)(险)(制)(度)(出)(台)(后)(将)(对)(中)(小)(银)(行)(带)(来)(一)(定)(冲)(击)(,面)(临)(客)(户)(和)(业)(务)(分)(流)(风)(险)(,尤)(其)(是)(追)(求)(资)(金)(安)(全)(性)(第)(一)(的)(大)(型)(企)(业)(。”中)(小)(银)(行)(为)(了)(挽)(留)(客)(户)(,很)(可)(能)(不)(得)(不)(提)(高)(存)(款)(利)(率)(或)(降)(低)(贷)(款)(利)(率)(,这)(对)(其)(成)(本)(控)(制)(和)(风)(险)(控)(制)(能)(力)(都)(提)(出)(了)(更)(高)(的)(要)(求)(。  根)(据)(草)(案)(,各)(投)(保)(机)(构)(的)(适)(用)(费)(率)(,由)(存)(款)(保)(险)(基)(金)(管)(理)(机)(构)(根)(据)(投)(保)(机)(构)(的)(经)(营)(管)(理)(状)(况)(和)(风)(险)(状)(况)(等)(因)(素)(确)(定)(,也)(即)(实)(行)(差)(别)(风)(险)(费)(率)(机)(制)(。由)(于)(中)(小)(银)(行)(的)(平)(均)(风)(险)(要)(大)(于)(国)(有)(大)(型)(银)(行)(,相)(对)(较)(高)(的)(费)(率)(将)(抬)(高)(中)(小)(银)(行)(的)(成)(本)(。  此)(外)(,该)(项)(制)(度)(对)(银)(行)(的)(风)(险)(偏)(好)(也)(将)(带)(来)(冲)(击)(。比)(如)(筹)(资)(成)(本)(增)(加)(,银)(行)(被)(迫)(寻)(找)(更)(高)(收)(益)(的)(贷)(款)(,但)(高)(收)(益)(一)(定)(是)(高)(风)(险)(,有)(可)(能)(把)(一)(些)(激)(进)(的)(银)(行)(逼)(到)(刀)(刃)(上)(。  从)(长)(远)(来)(看)(,在)(朱)(宁)(以)(及)(其)(他)(专)(家)(看)(来)(存)(款)(保)(险)(制)(度)(有)(利)(于)(引)(导)(银)(行)(培)(育)(稳)(健)(经)(营)(理)(念)(,更)(高)(层)(面)(对)(我)(国)(利)(率)(市)(场)(化)(改)(革)(以)(及)(今)(后)(金)(融)(市)(场)(改)(革)(有)(重)(要)(的)(意)(义)(。  自)(1996年)(我)(国)(迈)(出)(市)(场)(利)(率)(化)(改)(革)(第)(一)(步)(之)(后)(,眼)(下)(已)(行)(至)(关)(键)(阶)(段)(。按)(照)(“先)(贷)(款)(后)(存)(款)(、先)(大)(额)(后)(小)(额)(、先)(长)(期)(后)(短)(期)(”路)(径)(,目)(前)(贷)(款)(利)(率)(已)(经)(市)(场)(化)(,仅)(剩)(下)(存)(款)(利)(率)(尚)(待)(进)(行)(市)(场)(化)(改)(革)(,完)(全)(放)(开)(只)(差)(最)(后)(一)(步)(。  “资)(金)(价)(格)(要)(按)(照)(市)(场)(化)(的)(方)(式)(来)(运)(作)(,就)(需)(要)(一)(些)(环)(境)(的)(铺)(垫)(,比)(如)(存)(款)(保)(险)(制)(度)(、金)(融)(机)(构)(破)(产)(退)(出)(制)(度)(。“交)(行)(首)(席)(经)(济)(学)(家)(连)(平)(表)(示)(。从)(这)(个)(方)(面)(来)(看)(,存)(款)(保)(险)(制)(度)(推)(出)(确)(已)(时)(机)(成)(熟)(。  也)(有)(说)(法)(指)(,从)(国)(际)(情)(况)(看)(,存)(款)(保)(险)(制)(度)(多)(数)(是)(和)(银)(行)(破)(产)(制)(度)(、利)(率)(市)(场)(化)(一)(起)(推)(进)(,不)(太)(可)(能)(单)(兵)(突)(进)(。但)(目)(前)(可)(期)(的)(还)(只)(是)(市)(场)(利)(率)(化)(,只)(是)(尚)(无)(具)(体)(时)(间)(表)(,按)(照)(央)(行)(多)(次)(说)(法)(,有)(望)(在)(最)(近)(一)(两)(年)(内)(实)(现)(。  朱)(宁)(认)(为)(存)(款)(保)(险)(制)(度)(真)(正)(落)(地)(,将)(有)(助)(于)(加)(快)(市)(场)(利)(率)(化)(改)(革)(,该)(制)(度)(的)(缺)(失)(已)(拖)(延)(了)(其)(他)(改)(革)(开)(展)(。利)(率)(市)(场)(化)(后)(,银)(行)(生)(存)(环)(境)(将)(迎)(来)(真)(正)(的)(变)(革)(。银)(行)(贷)(款)(行)(为)(将)(更)(加)(市)(场)(化)(,随)(着)(存)(贷)(利)(差)(收)(紧)(,中)(间)(业)(务)(会)(增)(长)(。此)(外)(由)(于)(融)(资)(成)(本)(会)(增)(高)(,贷)(款)(会)(竞)(争)(加)(剧)(,银)(行)(风)(险)(管)(理)(能)(力)(也)(会)(提)(升)(。  “以)(往)(靠)(存)(贷)(差)(的)(粗)(放)(型)(发)(展)(模)(式)(将)(一)(去)(不)(复)(返)(,过)(程)(也)(许)(很)(长)(,但)(一)(定)(是)(这)(个)(趋)(势)(,在)(此)(过)(程)(中)(不)(适)(合)(的)(银)(行)(将)(被)(淘)(汰)(。“上)(述)(股)(份)(制)(银)(行)(人)(士)(表)(示)(。
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