摘要
实践表明 ,存款保险制度的建立 ,有助于提高公众信心 ,维护金融安全。就我国目前的情况而言 ,无论是出于对存款人的保护还是从确保金融体系和社会经济稳定来考虑 ,都有必要尽快考虑研究建立我国存款保险制度的可能性及其模式。本文从存款保险的理论研究以及制度比较两方面 ,就存款保险的必要性、组织形式、投保形式、覆盖范围、保护程度以及资金来源等方面进行了阐述 ,以期为我国建立存款保险制度提供参考和借鉴。
The establishment of deposit insurance system is conducive to promote public confidence and to maintain financial safety,which has been demonstrated by practice.In the light of China′s present situation,it is necessary to study the possibility and the model of building up China′s deposit insurance system in order to protect the interest of depositers and safeguard the stability of financial system and social economy.This paper examines the literatures and international comparison of some key issues of deposit insurance,such as necessity,organizational form,coverage,level,funding source,etc.,reference and experience aiming at providing for the establishment China′s deposit insurance system.
出处
《金融研究》
CSSCI
北大核心
2001年第5期1-12,共12页
Journal of Financial Research
