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存款保险制度是指办理一般大众存款的金融机构集中起来建立一个保险机构,各加盟金融机构按一定的保险费率交纳保险费,当加盟金融机构经营破产而不能支付存款时,该保险机构代破产金融机构在一定限度内直接对存款者支付存款。该制度的目的在于保护存款者利益、维持金融秩序的稳定。 下面介绍一些发达国家和地区存款保险制度的情况,以供参考。
Deposit insurance system refers to the general public depository financial institutions to set up an insurance institution together, all financial institutions to join the insurance premiums at a certain premium rate, when joined financial institutions bankruptcy and can not pay the deposit, the insurance agency on behalf of bankruptcy Financial institutions pay deposits to depositors directly to a limited extent. The purpose of this system is to protect the interests of depositors and to maintain the stability of the financial order. Here are some of the developed countries and regions deposit insurance system for reference.