韩国存款保险制度概况及其启示

随着我国利率市场化进程的推进，银行类金融机构间的竞争日趋激烈，适时建立存款保险制度势在必行。该文通过对韩国存款保险公司的保险对象、保险限额、费率、保险基金构成、主要业务、韩国存款保险公司的监管职能及其在应对危机时所采取的措施进行研究和探讨，为我国存款保险制度的建立提供参考。

The Overview of South Korean Deposit Insurance System and Its Revelation

With the advancement of the interest rate market and the increasingly competition among financial institutions,it is imperative to establish a deposit insurance system timely.This paper reviews the insurance object,insurance limits,rates,the constitute of insurance fund of Korea Deposit Insurance Corporation and introduces the measures taken in response to the crisis by Korea Deposit Insurance Corporation aiming to provide reference for the establishment of China’s deposit insurance system.