存款保险制度出台 体制改革路漫漫

Deposit Insurance Unveiled, Reform to Take Time

存款保险是现代金融制度的关键要素之一,是金融安全网的三大支柱之一,存款保险条例征求稿的推出无疑重要且必要。本文从历史、理论和现实三个维度阐明建立存款保险制度的重要性,分析了该制度的建立对存款方、商业银行等各方的影响,并提出存款保险制度如何才能够更加科学。

Deposit insurance is one of the important factors in modern financial system and one of the three pillars of financial safety net. The promulgation of Deposit Insurance Regulation(Draft for Comments) is quite necessary and crucial. The article explains the importance of this system from historical, theoretical and practical perspectives, analyzes the influence it will impose on depositors and commercial banks, and put forward how to make the system even more scientific.