国外存款保险制度比较研究及对我国的启示

Comparative Researches on Deposit Insurance Systems in Foreign Countries and Their Enlightenment on China

构成存款保险制度的要素包括制度目标、行政管理组织方式及法律结构、存款保险对象与范围、投保机构及投保要求、存款保险最高理赔限额及保险费率管理等项目。虽然国外不同国家存款保险制度的构成要素基本相同 ,但由于各国的国情不同 ,存款保险制度要素的具体内容各有特点。存款保险制度有利于金融体系的稳定和保护存款人利益 ,有利于加强金融监管和健全金融体系 ,是市场经济条件下现代金融体系的重要组成部分 ,在加入WTO后的过渡期内 。

The deposit insurance system consists of many elements such as objective of DIS, administrative organization, premium and compensation limit etc. Although the main elements of DIS in many foreign countries are almost the same, the contents of each element are different in different countries because each country has its own characteristics. DIS plays an important part in protecting the depositors and stabilizing the financial system in modern market economy. China needs to set up its own DIS as soon as possible.