银行破产前的“救命稻草”

Policy speculation

存款保险制度对储户及金融运行的意义在于,在银行发生危机时,对存款人的存款提供全额或部分的补偿,可以保护大多数中小存款人的利益。

Last help before bank bankruptcy On December 12,2005,the fi- nancial and monetary bureau of law and order office of the state council had been busy all day long.One of the officers told“legal person” that they were making the last-minute preparation over “deposit insurance regulation” before its submission for approval by the state council. The significance of the deposit insurance system for de- positors as well as national finance is that depositors will get whole-sum or part compensation in case of bank emergency, so as to ensure the benefit of small-and-middle-amount de- positor of the majority and to guarantee the safety of their fund.