我國金融改革下之存款保險制度發展面向

A Research on the Financial Reform of Taiwan, R.O.C. by Aspect of Deposit Insurance System

李智仁(Louis Chih-Jen Lee)

《國家政策季刊》 3卷4期 (2004/12) Pp. 147-155

https://doi.org/10.6407/NPQ.200412.0147

摘要

金融機構扮演提供企業營運所需資金以及協助企業經營週轉之金融仲介(Financial Intermediary)者之角色，其地位殊為重要。惟近年來因為國內景氣低迷，銀行業過度競爭，內部控制不良等原因，加上國際經濟情勢惡化之影響，金融機構體質不健全之問題逐漸浮現，政府遂於民國九十年宣佈實施金融改革。此次改革之面向甚廣，本文則由金融安全網中之存款保險制度出發，作為觀察準據。金融安全網係由金融監理、最後融通者之資金供輸以及存款保險制度三者架構而成，分別由金融監理機關、中央銀行與存款保險公司擔任執行者。本文旨在藉由存款保險制度面向之觀察，檢視迄今以來金融改革之成效，並窺析未來制度上可得強化增補之處。全文著重實務處理現況之分析，並由政策面及法制面，作深入之探討與分析，最後提出個人管見與建議。

關鍵字

金融改革 ； 金融安全網 ； 金融監理 ； 存款保險 ； 金融重建基金 ； 立即糾正措施

並列摘要

The role of financial institutions is to act as a financial intermediary by providing and assisting enterprises with the funding needed for their operations. However, in recent years, the troubled conditions of financial institutions have begun to gradually surface due to the downturn in the domestic economy, fierce competition within the banking industry, weak internal control, along with the impact of the worsening global economy. Since the financial reform of Taiwan, R.O.C. began in 2001, many problems came within the scope of this reform. This study is focused on the aspect of deposit insurance institution system. Financial safety net is composed of financial supervision, lender of last resort, and deposit insurance system, which are executed by financial supervision institutions, central bank and deposit insurance corporation. The purpose here is to explore a little further into specific questions that are raised from the financial reform with respect of deposit insurance system being disposed today. Meanwhile, further investigation and analysis were conducted in terms of legal, policy, and operational aspects by referencing to actual local and foreign practices plus theoretical opinions.

並列關鍵字

financial reform ； financial safety net ； financial supervision ； deposit insurance ； Resolution Trust Corporation RTC ； prompt corrective action PCA