我国建立存款保险制度的现实性思考

Feasibility Analysis of Deposit Insurance in China

存款保险制度在保护存款人利益、抵御金融风险和维持金融安全方面的作用 ,使其成为一个国际发展趋势。我国市场金融体制正在形成 ,存款保险制度已成为现实需求。然而 ,由于理论和现实的原因 ,存款保险制度迟迟未出台。针对中国加入WTO所面临的国际竞争 ,多视角分析了建立存款保险制度是调节金融风险压力的有效措施 。

Deposit insurance is becoming internationally prevalent for its ability to protect depositors’ rights and interest, prevent financial risks and maintain financial stability. Nowadays the market economy system is being established in China.The deposit insurance has become a necessity, but not put forward for practice in China. In light of China’s WTO membership in the near future, the author concludes that deposit insurance is a very realistic choice for China’s financial system. The author also gives several points in setting up deposit insurance structure.