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一、存款保险制度的由来及组织形式 存款保险制度最初是针对银行倒闭情况设立的,1993年美国紧急银行法决定建立联邦存款保险公司和联邦储蓄贷款保险公司,开创了现代银行存款保险制度的历史。大多数资本主义国家在上世纪60-80年代也陆续建立了存款保险制度。存款保险制度的目的在于保障存款者的利益和维护金融业的安全,存款保险制度为整个金融体系设立了一道安全防线,提高了金融体系的信誉和稳定性,具有事先检查和事后监督双重稳定的特征。 存款保险制度的组织形式基本上可以分为3种:一是由政府独资建立;二是由政府和金融机构共同出资建立;三是在官方督导和支持下由民间建立。目前,英国加拿大、土耳其等国的存款保
First, the origin and organization of deposit insurance system Deposit insurance system was initially established for bank failures, the 1993 U.S. Bankruptcy Act decided to establish a federal deposit insurance company and the federal savings and loan insurance company, creating a modern history of bank deposit insurance system . Most capitalist countries also set up the deposit insurance system in the 1960s and 1980s. The purpose of the deposit insurance system is to safeguard the interests of depositors and to maintain the safety of the financial industry. The deposit insurance system has set a safety line for the entire financial system and has enhanced the credibility and stability of the financial system. With the double checklist of precautionary and ex-post supervision feature. The form of deposit insurance system can basically be divided into three types: First, the establishment of the government-funded; Second, by the government and financial institutions jointly funded the establishment; Third, under the official supervision and support by the private establishment. At present, Britain, Canada, Turkey and other countries deposit insurance