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为了切实保护存款人利益 ,避免金融系统风险 ,本文主张我国应结合本国金融发展现状 ,借鉴国外的成功经验制定存款保险法。并就该法的内容从四个主要方面进行了探讨 :一、建立存款保险机构并赋予其法定职权。二、存款保险公司的资金来源应法定。三、明确规定保险范围。四、明确规定存款保险公司的监管权力和责任
In order to effectively protect the interests of depositors and avoid the risks of the financial system, this paper argues that our country should formulate the deposit insurance law in light of the successful experience of other countries based on the current situation of financial development in our country. And discussed the content of the law from four main aspects: First, establish a deposit insurance institution and give it statutory authority. Second, the source of funds for deposit insurance companies should be statutory. Third, a clear definition of insurance coverage. Fourth, it clearly stipulates the regulatory power and responsibility of deposit insurance companies