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存款保险制度是世界上公认的金融安全网的基本要素。它的建立,对于保护存款人利益、维护公众信心及保障银行体系安全等具有举足轻重的意义。但在我国建立存款保险制度还存在一些障碍。本文将探讨这些现实或潜在的障碍,以及解决途径。
The deposit insurance system is an essential element of a recognized financial safety net in the world. Its establishment has the decisive significance in protecting depositors’ interests, safeguarding public confidence and safeguarding the banking system. However, there are still some obstacles to establishing a deposit insurance system in our country. This article explores these real or potential obstacles and their solutions.