论建立存款保险制度的若干问题

Some Questions About Setting up the System of Deposition Insurance

随着银行商业化步伐的逐步加快,金融的风险累积也越来越大。建立存款保险制度有利于保护存款人的利益和维护金融秩序的稳定。良好的社会信用是建立存款保险制度的基础,有效的金融监管是建立存款保险制度的保障,在营造存款保险制度的外部环境的基础上建立存款保险制度,明确存款保险机构的设置、存款保险基金、保险费率、存款保险的方式和存款保险的赔偿等内容。

Due to the accelerating of bank commercialization and the growing of financial risks, it is beneficial to set up the system of deposition insurance to protect depositors＇ benefit and maintain the financial order. Good social credit is the basis of this system, and effective. Financial monitoring is its assurance. Therefore a good outer surrounding should be created, and the things as the setup of deposition insurance organization, deposition insurance fund, the rate of insurance fee, the way of exercise and the compensation should be made clear.