存款保险制度对我国农村信用社的影响与对策研究【摘要】随着金融开放不断取得进展，金融领域的竞争日趋激烈，2015 年我国实施了《存款保险条例》，建立起了显性存款保险制度，通过行政法规保护广大储户的权利和利益，促进金融市场的安全发展。然而，目前存款保险制度尚未成熟，在政策法规、监督管理、费率定价等方面存在不足之处，而农村信用社也长期存在经营管理不善、资产质量不优等问题，基于此，本文通过分析存款保险制度下农村信用社经营情况以及其对农信社的影响，并结合国外银行的发展经验，针对品牌经营、监督管理、政策制度等方面提出相关的建议，以促进存款保险制度及农村信用社等金融机构的稳健发展。【关键词】存款保险制度；农村信用社；美国社区银行；德国储蓄银行Research on the Impact of Deposit Insurance System on China's Rural Credit Cooperatives and Countermeasures[Abstract] With the continuous progress of financial opening, competition in the financial field is becoming increasingly fierce. In 2015, China implemented the "Deposit Insurance Regulations", established an explicit deposit insurance system, and protected the rights and interests of depositors through administrative regulations to promote financial market Safe development. However, the current deposit insurance system is not yet mature, and there are deficiencies in policies, regulations, supervision and management, rate pricing, etc., and rural credit cooperatives also have long-term problems such as poor management and poor asset quality. Based on this, this paper analyzes deposits The operation of rural credit cooperatives under the insurance system and its impact on rural credit cooperatives, combined with the development experience of foreign banks, put forward relevant recommendations for brand management, supervision and management, policy systems, etc. to promote the deposit insurance system and rural credit cooperatives Steady development of other financial institutions...
