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香港地区存款保险制度于2004年建立并于2006年开始运行,迄今已成功运作了六年多时间,其中有许多经验值得我们参考和借鉴。香港存款保障立法的演进过程在1992年以前,虽然香港法律对存款保障没有明确的规定,但根据香港《外汇基金条例》,财政司司长“可为保持香港作为国际金融中心的地位,按其认为适当而运用外汇基金以保持香港货币金融体系的稳定健全”。这一规定明确了外汇基金“最后贷款人”的角色,因此当影响香港
The deposit insurance system in Hong Kong was established in 2004 and started operation in 2006. It has been successfully operated for over six years and many of these experiences deserve our reference. The Evolution of Hong Kong’s Deposit Protection Legislation Prior to 1992, although Hong Kong laws did not clearly stipulate deposit protection, according to the Exchange Fund Ordinance of Hong Kong, the Financial Secretary “may, in keeping with Hong Kong’s status as an international financial center, He thinks it appropriate to use the Exchange Fund to maintain the stability and soundness of Hong Kong’s monetary and financial system. ” This stipulates the role of the Exchange Fund “lender of last resort.” Therefore, when it affects Hong Kong