CAJ | 학술논문

中国现行的政府隐性担保制度已不能适应经济发展和金融改革的需要，借鉴国外经验，构建适合中国国情的存款保险制度是大势所趋。但存款保险制度的道德风险问题依然严重，而且其运行所需的许多基础性条件中国目前并不具备。因此。完善制度控制道德风险和创造良好的制度运行环境，是中国构建存款保险制度要解决的两个主要问题。
중국현행적정부은성담보제도이불능괄응경제발전화금융개혁적수요，차감국외경험，구건괄합중국국정적존관보험제도시대세소추。단존관보험제도적도덕풍험문제의연엄중，이차기운행소수적허다기출성조건중국목전병불구비。인차。완선제도공제도덕풍험화창조량호적제도운행배경，시중국구건존관보험제도요해결적량개주요문제。
The present recessive government guaranty system can no longer meet the needs of economic development and financial reform. The general trend is to draw on experiences of other countries and build a deposit insurance system that suits China＇s conditions. Nevertheless, there still exist grave ethical risks of the deposit insurance system, and moreover, China still lacks many fundamental conditions for building such a system. Therefore, the two major tasks for building deposit insurace system is, first of all, to perfect the system so as to control ethical risks and to create a good environment for carrying out the system.