摘要
通过对国外存款保险制度产生发展的分析 ,论述了我国建立存款保险制度的必要性。对我国存款保险制度的运行进行了初步构想。为了使这一制度能更好地发挥作用 ,特别应注意以下一些问题 :存款保险机构的性质、银行投保形式、保费的缴纳。
The authors analyse the necessity to set up deposit insurance system in our country by studying its appearance and development in western countries.In order to make it more effective,the following should be paid attention to:the nature of the deposit insurance system,the form of insurance application,the form of paying premium and the proportion of insurance proceeds.
关键词
中国
存款保险制度
存款保险机构
投保形式
保费
financial hazard
deposit insurance system
financial regulation
financial stability
