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经过各国多年来在存款保险制度方面的不断探索和发展,其已经被证明成为保证国家金融安全的重要要素之一,在保护存款人的利益、促进国家经济快速稳定发展以及保障国家金融稳定发面会起到积极的作用。我国在经济快速发展的过程中隐性存款保险制度已经逐步显露出不适应现有金融市场的诸多弊端,因此有必要对现行制度进行改革,通过将其法律化来更好的维护存款人的利益、保证经济稳定发展。
After years of continuous exploration and development in the deposit insurance system in various countries, it has been proved to be one of the important elements in guaranteeing the financial security of the country. While protecting the interests of depositors, promoting the rapid and stable development of the national economy and ensuring the country’s financial stability, Play a positive role. In the course of rapid economic development in our country, the system of hidden deposit insurance has gradually revealed many drawbacks that are not suitable for the existing financial markets. Therefore, it is necessary to reform the current system and legalize it to better protect depositors’ interests , To ensure stable economic development.