试论加快我国存款保险制度建立的重要性

On Importance of Building Deposite Insurance System in China

介绍存款保险制度及其产生的背景．从我国目前国有商业银行资产业务出现高风险趋向，各金融机构之间激烈的市场竞争，保护存款者的合法权益以及加强金融宏观调控等方面，阐述在我国加快建立存款保险制度的重要性．

The background of deposite insurance system and its definition are introduced.With the analysis of the high risk tendeney in the assets managment of state owned commercial banks,the violent competition of the financial organisations,the protection of depositor's lawful rights and interests,the reinforcement of macro control,the importance of set up deposite insurance system in China is analyzed.