近日,国务院总理李克强签署第660号国务院令,公布《存款保险条例》,《条例》自2015年5月1日起施行。它的出台,为建立和规范存款保险制度提供了明确的依据。《条例》规定的存款保险具有强制性,在我国境内设立的吸收存款的银行业金融机构,包括商业银行、农村合作银行、农村信用合作社等,都应当参加存款保险。《条例》规定,存款保险实行限额偿付,最高偿付限额为人民币50万元。这一限额高于世界多数国家的保 Recently, Premier Li Keqiang signed Order No. 660 of the State Council, promulgating the “Deposit Insurance Ordinance”, “Ordinance” effective May 1, 2015. Its introduction has provided a clear basis for establishing and standardizing the deposit insurance system. The deposit insurance stipulated in the “Regulations” is mandatory. Deposit-taking banking institutions established in China, including commercial banks, rural cooperative banks and rural credit cooperatives, should all participate in deposit insurance. “Ordinance” provides that the deposit insurance limit the implementation of the maximum payment limit of 500,000 yuan. This limit is higher than most countries in the world