摘要
存款保险是指为从事存贷款业务的金融机构建立一个保险机构,各成员金融机构向保险机构交纳保险费;而当成员金融机构面临危机或经营破产时,保险机构向其提供流动性资助或者代替破产机构在一定限度内对存款者给予偿付的制度。在国际货币基金组织的183 个成员国中,67个国家的存款保险制度是以法律的形式予以明确规定的。事实证明明确的存款保险制度有着不可替代的优势。我国建立金融保险制度应吸取发达国家的经验教训。
The deposit insurance refers to the establishment of an insurance organization for the financial u-nits engaged in the savings and loaning business and the member units shall submit the insurance; whereupon the member units come across crisis or bankruptcy, the insurance organization shall provide financial assistance or refund the clients in name of the bankrupt units. Among the 183 members of the International Monetary Organization , 67 members recognize the insurance system in the form of law. Facts show that this system is advantageous and not to be replaced. China ought to gain experience from the advanced countries in establishing the system
出处
《青岛远洋船员学院学报》
2005年第1期17-21,共5页
Journal of Qingdao Ocean Shipping Mariners College
关键词
存款保险
道德风险
deposit insurance, morality risks
