我国未来存款保险制度运作方式的探讨

Probing on the Future Operation Mode of Deposit Insurance System in Our Country

随着我国金融体制改革的深入和金融风险管理的加强,当前存在的存款保护性安排已无法满足市场发展的需要。我国的存款保险制度应注意所有权、账户设立、保费三个方面的建设。

While the financial system reform is deepening and the financial risk management is enhanced, our current arrangement of deposit's protection can no longer satisfy the need of the developing market. Our country's deposit insurance system should pay special attention on the issues of ownership, account opening and the insurance fees.