关于建立中国存款保险制度的构想

存款保险制度是市场经济国家为了保护存款人利益 ,维护金融稳定 ,加强对存款类金融机构的监管而建立的一种保险制度。中国目前已基本具备建立存款保险制度的条件。随着中国成为WTO的正式成员 ,建立这种制度的需求日益迫切。本文从发达市场经济国家建立存款保险制度的运行情况和相互比较入手 ,分析了中国建立存款保险制度已具备的若干条件和必须注意的几个问题 ,并就建立中国的存款保险制度提出了建设性方案

On the Conception of Setting up the Deposit Insurance Institution in China Abstract

The deposit insurance institution is a kind of insurance institution to protect the right of depositors, to stabilize the finance, to enhance the supervision of the financial institution dealing with the deposit in a market economy state. Now the condition is essentially ripe to set up the deposit insurance institution in China. As China becomes an official member of WTO, it is in urgent need to set up this institution. The situation of deposit insurance institution in advanced market economy countries is studied. Several conditions already existed and problems to notice are analyzed to establish deposit insurance institution in China and a constructive conception is proposed in this paper.