建立我国存款保险制度的法理思考

On the legal principle of establishing insurance system of deposit in our country

随着我国金融体制改革进程的不断深入,金融市场化、国际化进程的加快,加之金融业竞争的加剧和世界性金融危机的不断出现,探索建立适合我国国情的存款保险制度、形成适应市场经济要求的金融稳定机制就成为当前一项重要的任务。本文就建立存款保险制度的法理依据和现实依据以及我国存款保险立法应遵循的基本原则进行了论述。

Along with the deepening of the reformation of financial system in our country, the quickening of the marketing and internationalization of the finance, the pricking up of the competition of the financial industries and the continuous appearance of the global financial crisis, it has been an important task to establish an insurance system of deposit which is adapt to the situation of our country and form a stable financial system which is adapt to the demand of market economy, The article discussed the legal basis and realistic basis of establishing the insurance system of deposit and the basic principles of legislating the insurance of deposit in our country.