我国亟待建立存款保险法律制度

存款保险制度的建立,对于维护存款人利益、公众信心以及银行体系安全等具有重要的意义.在我国,银行业面临较大风险,资本充足率不高,资产质量较差,不良资产过多.与此同时,在银行和存款人之间存在着严重的信息不对称.这些问题如果不能得到很好解决,存款人的利益将受到重大损失.在这种情况下,制定存款保险法,建立我国存款保险法律制度,就显得尤为必要.

The Urgency of Setting up the Legal System of Deposit Insurance in Our Country

Deposit insurance legal system is very important to protect depositors' interest,public confidence and safety of financial system.In China,banks are facing enormous risk including capital deficiency,poor capital quality and excessive bad capital.At the same time,the information dissymmetry exists between banks and depositors.If these questions couldn't be solved,banking failure will injure deposits' interest.In this condition,it's indispensable to constitute deposit insurance law and set up deposit insurance legal system.