建立银行存款保险制度,促进金融安全稳健运行

存款保险制度是一个国家或地区保护存款人利益，维护金融体系的安全与稳定的一种制度安排。存款保险制度防止了竞争造成的个别银行破产引发的多米诺骨牌式银行危机的发生，割断了对局部存款挤兑的处理与中央银行基础货币投放之间的联系，形成了对商业银行体系流动性的支持，保持了货币乘数的稳定，增强了中央银行控制货币供给的能力，为保护我国居民的储蓄积极性，促进银行业公平竞争，维持金融经济循环的继续，提高国民经济资源配置效率保持金融

Establish Credit Insurance System and Promote the Safe Financial Operation

The deposit insurance institution (DII) is a specially established organization for deposit insurance in a county or region in order to protect the depositors' profit and to maintain the safety and stability of the financial system. The DII protects the depositors and encourages the depositing. The DII can prevent the Dominoes bank crises caused by some certain bankruptcy during the competition from happening and can maintain the stability of the currency rate and reserve requirement rate. It can also strengthen the ability of the central bank to control the monetary supply. The DII also has functions to promote the competition and to improve the overall efficiency among the financial business. Therefore, it is quit practical for us to call for the establishment of the DII.