关于我国存款保险制度建设的几点思考

存款保险制度是当今大多数国家金融体系一个重要的组成部分,是世界上公认的金融安全网的三大基本要素之一,它在保护存款人利益和维护金融体系稳定方面发挥着积极作用。我国目前实行的隐性存款保险制度有许多弊端,不利于我国金融业的稳定。因此,建立具有中国特色的存款保险制度已成为我国深化金融改革、完善金融体制的一项战略任务。本文在对我国隐性存款保险制度进行分析的基础上提出了建立适合我国国情的存款保险制度的基本设想。

Speculations of Developing Deposit Insurance System in China

The deposit insurance system is the most important part of many countries' finance system and is also considered as one of the three basic elements of financial security system.It plays a positive role in protecting depositors' interest and safeguarding the stability of financial system.The disadvantages of China's present recessive deposit insurance system are obvious,and this could harm the stability of the finance system.Therefore,it is necessary to build up a dominant deposit insurance system in China,which has become a strategic mission in the progress of China's financial reform.By analyzing the disadvantages of China's recessive deposit insurance system,this paper proves the idea of building up a dominant deposit insurance system in China.