试论我国存款保险制度的建立

A Comment on the Establishment of the Insurance System of A Savings Deposit of Our Country

存款保险制度是一个国家或地区为了保护存款者的合法利益 ,维护金融体系安全和稳定的有效措施之一 ,它在西方发达国家已有近70年的历史。随着我国金融体制改革的不断深化 ,客观存在的各种金融风险使银行经常面临挤兑或破产倒闭的威胁。因此 ,我国应借鉴西方发达国家的经验 ,建立存款保险制度 ,以保证我国金融体系的稳定运行。我国的存款保险公司应由政府和吸收存款的金融机构共同出资建立 ,存款保险的范围应以城乡居民储蓄存款为重点 。

Deposit Insurance Systen Is One of the Effective Measures which A Country or Region Adopt for Protecting the Legal Interest and Maintain the Safty and Stability of Financial System.It Has Nearly 70 Years History in Western Developed Countries.Accompanied with the Deep Reform of Financial System of Our Country,Due to Different Kinds of Financial Risks which Objectively Exist Lead to the Bank of China Faced with the Threat of Running on A Bank or Bankruptcy.Therefore We Should Draw the Experience from Western Develped Countries for Reference then Set up Deposit Insurance System so as to Ensure the Stable Operation of the Financial Systen of China.The Deposit Insurance Corporations of Our Country Should be Invested and Established by Both the Government and the Financial Agency which Recruits A Savings Deposit.The Scope of Deposit Insurance Should Take the Savings Deposit of the Residents in Cities and Countryside as the Key Point. All of the Financial Agencies which Receive A Savings Deposit in the Territory of Our Country Should Join Deposit Insurance Business.