存款保险制度 ,是指为了维护存款者的利益 ,维护金融体系的安全和稳定 ,各金融机构依法按其吸收的存款数额向存款保险公司投保 ,以便在非常情况下 ,由存款保险公司对金融机构客户支付必要的保险金的金融制度。存款保险制度起源于 2 0世纪 30年代。当时的全球性经济危机 ,使美国 The deposit insurance system means that in order to safeguard the interests of depositors and safeguard the security and stability of the financial system, financial institutions insure deposit insurers in accordance with the amount of deposits absorbed by them so that, under extraordinary circumstances, deposit insurers may insure financial institutions The customer pays the necessary insurance money in the financial system. The deposit insurance system originated in the 1930s. The then global economic crisis brought the United States