浅析显性存款保险制度的特点、优势及实现路径

我国正处在经济改革关键期，而金融是现代经济的核心，金融业的调整需要有效的金融监管制度和风险防范体系，建立存款保险制度已蓄势待发。只有以市场为导向，建立完善的金融机构、市场、运行和监管体系，才能有效地分散风险，为经济转轨和可持续发展提供强大的金融支持。而建立存款保险和允许银行破产等制度，能快速推进金融改革，使金融为经济实体服务，并充分发挥市场对资源配置的决定性作用，促进我国金融市场呈现健康、有序与持久的活力。本文在简要介绍存款保险制度的定义、类型及必要性的基础上，着重分析了影响我国存款制度建立的一些障碍，并提出了相应的解决办法。

Analysis and the Countermeasure Suggested the Necessity to Establish Deposit Insurance System

China is in a critical period of economic reform, and ifnance is the core of modern economy, the ifnancial sector adjustment need effective financial supervision and management system and risk prevention system, the establishment of a deposit insurance system has been gaining momentum. Only guided by the market, the establishment of ifnancial institutions, perfect market, operation and supervision system, in order to effectively spread the risk, provide strong ifnancial support for the economic transformation and sustainable development. And the establishment of deposit insurance and to allow the banks to bankruptcy system, it can advance the ifnancial reform, the ifnancial service for the economic entity, and bring into full play the decisive role of market allocation of resources to promote China＇s ifnancial market showing a healthy, orderly and lasting vitality. Based on the brief introduction of the definition, the deposit insurance system types and necessity, focuses on the analysis of the effect of some of the obstacles to the establishment of China＇s deposit system, and proposed the corresponding solution.