虽然短期内存款保险制度的推出影响有限,但从中长期看,其影响将日渐显著。3月31日,国务院正式公布了《存款保险条例》(下称《条例》),将于2015年5月1日起开始施行,这标志着我国筹备了二十余年之久的存款保险制度正式落地。这一消息引发了市场的极大关注。那么,存款保险制度究竟具有怎样的意义?又会产生怎样的影响?所谓存款保险,是指为储户的存款提供的一种支付保障,即由银行缴 Although the introduction of the deposit insurance system will have a limited impact in the short term, its impact will become increasingly significant in the medium and long run. On March 31, the State Council formally announced the “Deposit Insurance Regulations” (the “Regulations”), which will come into force on May 1, 2015. This marks the preparation of our deposit insurance system for more than 20 years Officially landing. The news triggered a great deal of market attention. So, what exactly does the deposit insurance system have and what impact will it have? Deposit insurance refers to a kind of payment guarantee for depositors’ deposits, that is,