世界两种基本存款保险模式比较及启示

A Comparative Study of the Two Fundamental Deposit Insurance Rmodels

以美国联邦存款保险制度为代表的政府存款保险模式和以德国非官方自愿存款 为代表的非官方存款保险模式,是世界上两种基本的存款保险制度模式。二者虽然存在着很 大差异,但其运作基本上都是成功的。借鉴美、德存款保险制度成功运行的经验,从中国的存 款保险制度建立的现实出发,应该选择一条渐进式的道路。

There are two fundamental deposit insurance models in the world. One is government deposit insurance model represented by American federal deposit insurance system, the other is nongovernment deposit insurance model represented by German non-government deposit insurance system. Differing from each other, the two models have proved effective. Enlightened by the two deposit insurance models, with consideration of the reality of China, we should establish Chinese deposit insurance system progressively.