deposit premium

This article puts forward some legislative suggestions in the aspects of deposit insurance system, establishment and function of the deposit safety unit, insurance coverage and deposit insurance premium rate, etc.

该文从存款保险体制、存款保险机构的设置、存款保险机构的职能、存款保险的参保方式和保险范围、存款保险费率、理赔标准等多方面为我国建立存款保险制度提出了立法建议。

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Based on the analysis of the two methods, The author applies the methodology of expected loss pricing of deposit insurance to China's bank credit ratings and designs reasonable deposit insurance premium range and structure.

在介绍这两种方法的基础上，应用我国适用的预期损失定价的评级分析方法设计了我国的存款保险定价体系，最终得出了较为合理的存款保险费率结构与区间。

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Lack of a series of bank credit ranking system. Therefore, we shall establish a deposit insurance system from the perspectives of legislative format and purpose, deposit insurance institutions, insurance financial institutions, deposit insurance funds and deposit premium rate.

我们应从立法体例和目标、存款保险机构、投保金融机构、存款保险资金以及存款保险费率等五个方面来构建我国的存款保险制度。

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The conclusion indicates that the more the regulatory forbearance or the longer the capital extension, the higher the deposit insurance premium.

结论表明，监管越宽容&资本展期越长，存款保险费率应该越高。

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Specialized deposit insurance agency ( usually the Deposit Insurance Corporation) raises insurance fund by collecting premiums, and reasonable deposit insurance premium is the important guarantee for deposit insurance system to be operated steadily.

专门的保险机构（通常为存款保险公司）通过收集保费作为保险基金的主要积累，而合理的保险费率水平是存款保险制度稳健执行的重要前提。

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Lots of items such as objectives of DIS, sources of deposit insurance fund and expenditure, coverage, assessment of premium, qualification of insured institutions and how to be insured etc.

而存款保险制度目标、保险基金来源与运用、存款保险范围、投保资格与参保方式等制度要素，构成了存款保险制度理论的具体内容。

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Based on other countries'experience, this article points out that membership, the kind of accepted deposit, the quantity of accepted deposit and premium are key factors relate to the moral hazard.

本文以此为出发点，参照各国建立存款保险制度的经验，认为机构成员资格、承保存款种类、承保额、保险费这四个方面是同道德风险相联系的关键因素。

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The results show that: 1. usage behavior can be manipulated by usage frequency and usage variety; relationship stability can be used as continuous use intention and switch intention, and relationship growth can be took as intention for increasing deposit and price premium.

研究结果表明：1.使用行为可以区分为使用频率和使用多样性；关系的稳定可以分为持续使用意愿和转换意愿；关系的发展可以分为存款金额的增加和溢价支付意愿。

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By solving partial differential equation, this paper found that regulatory forbearance can reduce the deposit insurance premium.

结果表明，适度的监管宽容可以降低存款保险的费率水平。

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This paper first studies deposit insurance involving moral hazard, and then applies the Put-Option model of Merton ( 1977) and Ronn& Verma ( 1986) to calculate the deposit insurance premium of listed commercial banks in China.

本文首先分析存款保险制度所隐含的道德风险问题，然后运用期权定价模型对我国银行上市公司的存款保险费率进行了实证分析。

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Fixed rate bonds pay a pre-determined couponFRNs pay coupons premium above the bank's fixed deposit rate.

固定利率债券支付预决息票,浮动利率债券根据银行存款利率贴水支付息票.

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