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存款保险制度是指政府当局为保护存款人的利益和维护金融业的良性运作而规定金融机构必须或自愿地以所吸收的客户存款为标的按一定比例向存款保险机构进行投保的一种金融保险制度。这种制度由美国始创并加以完善,现在已为世界发达国家和部分发
Deposit insurance system refers to the government authorities in order to protect the interests of depositors and maintain the healthy operation of the financial sector provides that financial institutions must or voluntary to customer deposits absorbed as a percentage of a deposit insurance institutions to insure a kind of financial insurance system. Such a system was initiated and improved by the United States and is now being developed in the developed countries and parts of the world