摘要
2012年7月,央行发布的《中国金融稳定报告》指出,我国建立存款保险制度的时机已基本成熟。建立适合我国国情的存款保险制度已经成为维持金融稳定的重要举措,适时推出我国的存款保险制度也成为学界共识和现实需要。存款保险制度具有公共性,不仅关系到国家的金融安全,还涉及到社会公众的切身利益,以法律的形式对其界定就显得尤为必要。存款保险制度具体内容的构建需要借鉴国际上先进的立法,同时又要符合我国的实际情况,循序渐进,逐步完善。存款保险制度与配套制度的共生性决定存款保险制度的构建必须与配套制度的完善同步进行。
How to construct applicable deposit insurance systems in order to maintain financial stability is of great importance for every country. It is the fight time for our country to sot up deposit insurance systems based on the common view and the realistic demand. The public attribute of deposit insurance systetm make law necessary because of the consideration of fmancial safety and public interest. W e should introduce ad- vanced experence fi＇om other country to construct our deposit insurance systems suitable to Chinese condition. The process is step by step and become perfect, Deposit insurance systems cannot stand alone , so the cor- relative systems is supposed to be emphasized.
出处
《财经科学》
CSSCI
北大核心
2013年第12期29-37,共9页
Finance & Economics
基金
福建省社会科学基金项目(项目编号:2013C008)阶段性成果
关键词
存款保险制度
法律
金融稳定
信息披露
Deposit Insurance System
Law
Financial Safety
Information Disclosure
