【摘要】 世界各国建立存款保险制度的目的或在于保持银行体系的总体稳定性,或在于保护小存款人利益,或两者兼而有之。从我国目前存款分布、存款人行为特点以及银行体系的状况来看,我国存款保险制度应以保护中小存款人利益为首要目标。更多还原

【Abstract】 In the world,the aim of establishing deposit insurance system is to keep the banking system’s stability as a whole,or to protect small depositors,or both.Based on the distributing of deposit and the behavior character of depositors as well as status of banking system in our country,the author argues that China’s deposit insurance system should put protection of mid-and-small-depositors as its prime goal.更多还原