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中国存款保险法律制度的建立已是势在必行,如何使该制度适合中国现实需要,关键在于具体的制度安排,其中的费率制度由于国际上存在两种不同的做法而在我国进行选择时有所争议。本文从外资银行的竞争、中国银行业的现状以及风险评级的状况进行分析,认为我国在实行该制度的初期应以固定费率为宜。
The establishment of the legal system of deposit insurance in China is imperative. The key to how to make the system suitable to China’s real needs lies in the specific institutional arrangements in which the fee system is chosen in our country due to two different international practices Controversial This article analyzes the competition from foreign banks, the status quo of China’s banking industry and the status of risk rating. It is suggested that a fixed rate should be adopted in the initial stage of our country’s implementation of the system.