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一、存款保险是金融安全网的重要组成部分在我国保险法领域,“存款保险”是一个全新的概念。顾名思义,该保险的适用对象是人们作为存款人借助储蓄方式存在银行的款项,表现为存款保险人在被保险银行无法履行其基于储蓄合同而向存款人支付存款义务时,先行在保险责任限额内向存款人予以赔付,然后依法向被保险银行进行追偿或者对其组织实施破产清算、重整以及其他资产处置行为的制度。从社会实践角度讲,存款保险的保障功能直接体现在其保障价值和根本的保
First, deposit insurance is an important part of the financial safety net In the field of insurance law in our country, “deposit insurance ” is a completely new concept. As the name implies, the object of this insurance is the amount of money deposited by people as depositors in the form of savings by banks. When the insurer fails to fulfill its deposit obligation to depositors based on the savings contract, Depositors to pay, and then according to law to the insurer for recovery or bankruptcy liquidation of its organization, restructuring and other asset disposal system. From a social practice point of view, the guarantee function of deposit insurance directly reflects its guaranteed value and fundamental protection