存款保险法律制度的-研究.pdf

结论：存款保险法律制度作为维护银行稳健经营，保护存款人利益的重要工具， 已经得到越来越多国家的认可。建立一套完整的存款保险法律制度，依法维护存 款人的利益并维护金融安全，对于完善社会主义市场经济法律体系具有重要的现 实意义。 关键词：存款保险法律制度；存款人；存款保险机构 II Abstract financial wi11affect Asthekernelofmodern the economy， security The thenationaleconomic andsocial Deposit security stability． Insurance in the bank is fatal withdraw， systemvery preventingpanic thefinancial inthe thenational 1imiting stabilitypart1evel，andkeep financeand safeandobtainsocial the economy security，bycompensating financialinstitution’s Inthe of bankrupted deposit． processpushing ourfinancial reform the of system forward， preventionsystematic financialcrisisisoneinbornofit．The oftheState—owned part reform ofthe commercialbankofChinaneedsthereal subject independent the shallbe fromtherecessiVe financial．market，and governmentstopped warrantor．Thereforethe insurancewil1 bethe deposit undoubtedlyurgent call forsettlthefinancial andhasenteredintothe ing risks， substantial Somore of andthe