A Study on the Deposit Insurance System of Vietnam from the Viewpoint of the Development Cases in U S and Taiwan

[[abstract]]自從1980年代以來，金融國際化與自由化已成為時代趨勢，然而市場過度競爭的結果，卻是各國金融危機頻傳。1999年，存款保險條例公布施行，越南存款保險公司開始成立。因越南市場開放過速，但越南存款保險法還沒成立，導致存款保險所能發揮功能十分有限。2008年美國金融風暴，各地國家受到影響，造成在世界各地的銀行經營能力顯示也迅速下降，存款人對銀行的信心逐漸侵蝕。面對這樣的背景下，各國存款保險為適應金融情況變化必須做改善。這幾年越南正在發展當中，但也受到嚴重的大型經濟危機，造成這幾年銀行和其他金融機構出現擠兌現像和破產的危機，越南存款保險公司營運明確有限制，不能發揮自己中要的功能。在這情況下，存款保險公司必須隨著經濟情況變化做一些制度修正，使它能作為對經濟體系的營運有最大的效果。 本論文研究美國和台灣存款保險發展沿革與風險基準費率之建立，並以美國，台灣及越南存款保險制度與結構做比較，越南存款制度表示明顯落後。透過研究和學習這兩個國家的存款保險機制，最後對越南存款保險提出一些建議和未來方向，以作為本文之結論。[[abstract]]Since 1980 the trend toward financial internationalization and liberalization had been part of a broader development caused by globalization However financial crisis has been occurred regularly as a result of market’s excessive competition In 1999 Deposit insurance regulations were promulgated and the Deposit Insurance Institute of Vietnam (DIV) was established Vietnam opened its financial service market too quickly but relative laws on deposit insurance policy of Vietnam were not made which lead DIV could not play its important role In 2008 global financial crisis induced from U S leads rapidly increasing operational risk of entire banks; depositors’ confidence on banking systems was being eroded gradually While facing with economy status all deposit insurance institute in the world needed to improve their routine activities and organization In recent years Vietnam economy also has been influenced by global economic crises which lead to various kinds of insolvency and bankruptcy Under these situations DIV needs to make rational and effective reform to fit a sustainable growth of Vietnam’s economy This study is aimed on the establishment and development of U S and Taiwan’s risk benchmark rates Furthermore we compare the structure and operational mechanism of deposit insurance systems between U S Taiwan and Vietnam Finally suggestions and orients for Vietnam future deposit insurance could be concluded in the end of this stud