存款保险制度起源于中国

存款保险制度起源于美国已成为普遍认识,但通过对美国存款保险制度与中国早期的五家联保、同业互保制度的比较发现:早在中国清代嘉庆年间,清政府就在世界上开始了最早的存款保险制度的探索,并且上升到国家法律的层面。亦有史料记载美国早期的负债保险计划为中国人所建议。尽管早期存款保险制度探索没有最终演变为现代存款保险制度,但对当前中国存款保险制度的建立仍有借鉴意义。

It has become a common knowledge that the deposit insurance system in the world originated from the United States. However, the author discovered from comparing the American deposit insurance policy and the 5 body co-insurance and sectoral captive insurance in Qing Dynasty of China that the Qing Dynasty government during Jia-qing era was the first government that explored the deposit insurance system. And the Qing Dynasty had even wrote this system into law. Other historical records also demonstrate that the liability insurance plan in early America was also suggested by Chinese people. Even though Chinese people＇s exploration with the deposit insurance system has not evolved into the modern deposit insurance policy, this fact is of great significance for the establishment of such a system in China today.