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从2019年处置包商银行看当前我国存款保险制度亟待完善的关键领域

作者:王刚 颜苏 王彦伟 出版日期:2021年06月 报告页数:10 页 报告大小: 报告字数:8807 字 所属丛书:金融监管蓝皮书 所属图书:中国金融监管报告(2021) 浏览人数: 下载人数:

文章摘要:包商银行是存款保险基金管理公司成立后,首家以收购承接方式实现处置的问题银行。处置中通过提高承保限额、扩大承保范围,最大限度地保障各类债权人合法权益,有效发挥了存款保险问题银行市场化处置平台的功能。包商银行处置实践表明,我国存款保险制度存在以下缺陷:《存款保险条例》赋予存款保险机构的早期纠正职责存在支持性授权不足、启动标准笼统等问题;风险处置职责尚不明晰,处置工具不够丰富;存款保险基金融资渠道单一,前期消耗较大,后续处置能力受限。在梳理... 展开

文章摘要:包商银行是存款保险基金管理公司成立后,首家以收购承接方式实现处置的问题银行。处置中通过提高承保限额、扩大承保范围,最大限度地保障各类债权人合法权益,有效发挥了存款保险问题银行市场化处置平台的功能。包商银行处置实践表明,我国存款保险制度存在以下缺陷:《存款保险条例》赋予存款保险机构的早期纠正职责存在支持性授权不足、启动标准笼统等问题;风险处置职责尚不明晰,处置工具不够丰富;存款保险基金融资渠道单一,前期消耗较大,后续处置能力受限。在梳理借鉴金融危机以来相关国家完善存款保险制度功能经验的基础上,报告从强化早期识别与及时纠正功能、明确问题银行市场化风险处置平台地位、拓宽处置资金来源等方面就完善我国存款保险制度提出了具体建议。

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Abstract:After the establishment of deposit insurance fund management company,Baoshang bank limited is the first problem bank to deal with by means of acquisition. By increasing the underwriting limit and expanding the scope of underwriting,the legitimate rights and interests of all kinds of creditors are protected to the maximum extent,and the market-oriented disposal platform of deposit insurance problem banks is effectively brought into ... 展开

Abstract:After the establishment of deposit insurance fund management company,Baoshang bank limited is the first problem bank to deal with by means of acquisition. By increasing the underwriting limit and expanding the scope of underwriting,the legitimate rights and interests of all kinds of creditors are protected to the maximum extent,and the market-oriented disposal platform of deposit insurance problem banks is effectively brought into play. The practice shows that some key areas of deposit insurance system need to be improved. There are some obstacles in the early correction duty given by China’s deposit insurance regulations(the regulations for short thereinafter),such as insufficient supporting authorization and general starting standard;the responsibility of risk disposal is not clear,the disposal tools are not rich enough;the financing channel of deposit insurance fund is single,the consumption in the early stage is large,and the subsequent disposal ability is limited. Basd on the experience of relevant countries in improving the deposit insurance system since the financial crisis,the report puts forward specific suggestions on strengthening the function of early identification and timely correction,clarifying the market-oriented risk disposal platform status of problem banks,and broadening the sources of disposal funds.

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作者简介

王刚:王刚,金融学博士后,研究员,中国社会科学院金融法律与金融监管研究基地特约研究员,主要研究方向为金融风险管理、银行业监管、金融法等。

颜苏:颜苏,法学博士,北京工商大学法学院副教授,主要研究方向为金融法。

王彦伟:王彦伟,经济学博士,中国人民银行西部之光访问学者,主要研究方向为农村金融。