建立存款保险制度的法律思考

存款保险制度作为世界大多数国家金融监管的重要制度,在保护存款人利益、维护金融秩序稳定等多方面起着不可替代的作用。然而,在我国现阶段,是否应建立该制度仍存在一定争议。本文结合存款保险制度基本内容以及对各国存款保险制度的构建模式分析,提出在我国建立该制度的必要性及立法构想。

Legal Thinging on Deposit Insurance Institution

As one of the most important financial supervise methods of most countries in the world, deposit insurance institution plays a very important role in protecting the profits of depositors and maintaining the stability of the financial system. However, there are still some debates in the issue that whether it is necessary to construct such institution in our country nowadays. Combining the basic contents of the deposit insurance institution and the analysis of the construction mode of other countries, this article brings forward the necessity and the suggestions of constructing the deposit insurance institution in our country.