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3月31日,国务院公布《存款保险条例(国务院令第660号)》将于2015年5月1日起正式施行。经过22年的争论与酝酿,存款保险制度终于尘埃落定,我国也成为全球第114个建立存款保险制度的国家或地区。《存款保险条例》自去年11月面向社会征集意见以来,受到社会各界特别是金融界的广泛关注。原因有三:一是因为存款保险制度作为金融业的一项重要的基础制度安排,和中央银行的最后贷款人、宏
March 31, the State Council announced the “Deposit Insurance Ordinance (State Council Order No. 660)” will be May 1, 2015 come into effect. After 22 years of debate and deliberation, the deposit insurance system has finally come to a conclusion. Our country has also become the 114th country or region that has set up a deposit insurance system in the world. Since the “Deposit Insurance Ordinance” solicited opinions from the community in November last year, it has drawn widespread public concern, especially from the financial sector. There are three reasons: First, because the deposit insurance system as an important financial system, the basic institutional arrangements, and the central bank’s lender of last resort, macro