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目前，在我国金融监管体系尚不完善的情况下，很多商业银行和非银行金融机构存在违规经营和管理不善等问题。这些问题的存在，很容易导致金融危机的爆发，直接损害国家和人民的利益。建立一种银行存款保险制度是抵御金融危机的有效手段。存款保险制度是指商业银行以客户存放于
At present, in our country’s financial supervision system is not yet perfect, many commercial banks and non-bank financial institutions have problems of irregular operation and poor management. The existence of these problems can easily lead to the outbreak of the financial crisis and directly damage the interests of the country and the people. The establishment of a bank deposit insurance system is an effective way to withstand the financial crisis. Deposit insurance system refers to commercial banks deposited with customers