我国存款保险制度的构建

The Construction of Deposit Insurance System in Our Country

随着我国金融体制改革的深化以及入世后金融风险体系的加大,为了防范和化解系统性金融风险,目前我国理论界正在认真研究国外存款保险制度,以期能够成功建立我国的存款保险制度。因此,研究我国具体国情下的存款保险制度的构建至关重要。综观世界各国已建立的存款保险制度,基本都是从保险人、投保人、存款保险资金和存款保险标的几个主要方面进行规定。我国存款保险制度的构建也应立足于我国基本国情对以上几个主要内容进行规定。

With the deepening of the reform of financial system and the increasing of financial risk system after China entry into the WTO, in order to dissolve systematic financial risk, the theoretical circle is earnestly researching foreign deposit insurance system so as to successfully establish a deposit insurance system of our own. Therefore, it is critical to study the construction of deposit insurance system under the specific national conditions of our country. Reviewing the comparable systems that have been set up in countries all over the world, almost all of them are regulated from the aspects of insurers, insurance applicants, deposit insurance fund and subject matter insured. The foundation of deposit insurance system in our country should also be regulated from the above - mentioned points.