运用法治思维和法治方式推动完善存款保险制度

To Improve Deposit Insurance System With Legal Thinking and Legislature

党的十九届五中全会提出,要完善存款保险制度,健全金融风险预防、预警、处置、问责制度体系。从存款保险制度的国际经验和我国实践看,有效的存款保险机制必须遵循依法治理原则,通过发挥法治的引导、规范、保障作用,运用法治思维和法治方式,及时把完善存款保险制度、维护金融稳定的成果以法律形式固化下来,尤其要从建立健全多层次法制体系、赋予存款保险基金公司与其地位相匹配的监管职能、树立早期介入监管的法治理念、健全市场化法治化风险处置机制等方面统筹推进。

At the Fifth Plenary Session of the 19th CPC Central Committee, it is suggested that deposit insurance system be improved, together with risk preventing, alarming, resolution and accountability. In the light of international and domestic experiences, effective deposit insurance schemes should be operated under law with legal thinking and legislature. With legislature to lead, regularize and guarantee, the role of deposit insurance in financial stability could be solidified. We should establish multi-level legal system, as well as entrust deposit insurance institution with appropriate supervising function, setting up early intervention notion, build marketization and legalization risk disposal mechanism, to improve it as a whole.