存款保险制度是中金融保障制度,是指由符合条件的各种存款金融机构集中建立起来的一个保险机构。其保险方式为:各存款机构按照一定的比例为存款客户缴纳保险金,用这些保险金建立存款保险的准备金,如果缴纳保险金的存款机构成员发生经营方面的困难,导致无法向存款人支付存款能力或存款机构面临破产倒闭时,存款保险机构向存款机构提供资金救助或接向存款客户支付部分或全部的存款资金,从而保障了存款人的利益,维护了金融秩序的稳定。目前我国已经开始对存款保险制度进行立法研究。 The deposit insurance system is a medium-sized financial security system and refers to an insurance institution centrally set up by eligible deposit-taking institutions. The insurance method is: the depositors pay depositors according to a certain percentage of the insurance money, the use of these deposits to establish the deposit insurance reserves, depositors in the payment of insurance benefits if the depository members of the operating difficulties, unable to pay to the depositors When depositors or depositors face bankruptcy, deposit insurers provide financial assistance to depository institutions or pay part or all of deposit funds to depositors, thereby safeguarding the interests of depositors and safeguarding the stability of the financial order. At present, China has begun to study the legislation of deposit insurance system.