在市场经济制度下 ,银行业由于激烈的竞争 ,存在着破产的可能性。而银行处于整个社会信用的核心地位 ,一旦破产 ,其社会影响极大。为此 ,许多市场经济国家都相继建立了官方或行业性的存款保险制度。在有效的存款保险制度下 ,即使发生市场波动及信心危机 ,在保护范围内的存款人 Under the market economy system, due to fierce competition in the banking industry, there is the possibility of bankruptcy. However, the bank is at the core of the credit of the entire society. Once bankruptcy, its social impact is enormous. To this end, many market economy countries have successively established an official or industrial deposit insurance system. Under the effective deposit insurance system, even in the event of market fluctuations and crisis of confidence, depositors within the scope of protection