关于建立我国存款保险法律制度的探讨

The deposit insurance legal system

存款保险法律制度是直接针对银行挤兑或倒闭而设计的 ,最初目的是保护存款人利益。真正意义上的存款保险制度产生于 2 0世纪 30年代的美国 ,目前许多国家和地区都建立了存款保险制度。本文在介绍一些国家和地区存款保险制度运行特点的基础上 ,分析了我国建立存款保险法律制度的现实因素 ,并探讨了我国存款保险立法的一些相关问题。

The purpose of establishing deposit insurance system is to prevent banks from being squeezed and going bankrupt with preserving depositor's interest and maintaining the financial stability as its utmost goal. The system which was first established by the US in the 1930s and came into effect ever since has been adopted by most countries and territories in the world. The article introduces the operating characters of deposit insurance systems in some countries and territories and summarizes the reality factors affecting China in building deposit insurance legal system. The author puts forward some factors concerned in legislating on China's deposit insurance.[