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随着社会主义市场经济体制在我国的建立和发展,金融体制及其运行机制在优化资金配置、提高融资效率、完善金融服务的同时,经营风险也日趋加大,这不仅直接影响着金融业的经营安全,而且对社会公众利益乃至经济发展和社会稳定也造成潜在的威胁。为了保障存款者的利益和银行的经营安全,我们有必要借鉴西方国家经验,构建我国存款保险制度。 一、世界各国存款保险制度 1.世界各国存款保险制度发展概况。 存款保险制度是随着资本主义的发展,国家为保护存款的安全和监督商业银行经营管理而建立起来的一种
Along with the establishment and development of the socialist market economic system in our country, the financial system and its operating mechanism have become increasingly operational risks while optimizing the allocation of funds, improving financing efficiency and improving financial services. This not only directly affects the financial industry’s Business safety, but also poses a potential threat to the public interest as well as economic development and social stability. In order to protect the interests of depositors and the business safety of banks, it is necessary for us to learn from the experience of western countries and construct the deposit insurance system in our country. I. Deposit Insurance System in Various Countries in the World 1. Overview of Development of Deposit Insurance System in Various Countries in the World. Deposit insurance system is with the development of capitalism, the state for the protection of deposit security and supervision of commercial banks to establish a management