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一、必要性:竞争的需要,而非规则的结果存款保险制度是指由吸收存款的商业银行对其吸收的每笔存款进行投保,一旦该商业银行破产,则由保险机构向存款人支付所损失的存款(刘鸿儒主编:《经济大辞典》,上海辞书出
First, the necessity: the need of competition, rather than the rules of the results Deposit insurance system refers to the deposit-taking commercial banks to insure each deposit to be insured, once the commercial bank goes bankrupt, the insurance institution to the depositors to pay Loss of savings (Liu Hongru editor: “Economic Dictionary”, Shanghai dictionary out