近 几年 ,一些城乡信用社相继撤并 ,使得中小银行的信誉产生危机。 2 0 0 1年的浙江台州泰隆城市信用社事件以及不久前浙江迅达城市信用社事件都表明 :金融机构一旦出现兑付风险 ,如果得不到及时解决 ,必将引发一系列社会问题。有专家指出 ,存款保险制度是解决此类问题的最佳途 In recent years, some urban and rural credit unions have been merged, making the credibility of small and medium banks have a crisis. The 2001 Zhejiang Taizhou Tailong Urban Credit Cooperative Incident and the recent case of Zhejiang Xunda Urban Credit Cooperative showed that if the financial institutions face the risk of redemption, they will surely trigger a series of social problems if they are not solved in time. Some experts pointed out that the deposit insurance system is the best way to solve such problems