美国存款保险制度的经验及对我国的启示  

The Experience of American Deposit Insurance System and Its Enlightenment to China

作　　者：韩国光 Han Guoguang(Bohai University,Liaoning Jinqi121013)

机构地区：[1]渤海大学,辽宁锦州121013

出　　处：《江苏商论》2018年第10期107-108,共2页Jiangsu Commercial Forum

摘　　要：在金融国际化的背景下,维持金融体系的安全、稳定依然面临着众多挑战。美国早在20世纪30年代就设立了存款保险制度,保护存款人和银行的合法权益。在当前,通过设立存款保险制度来建立健全我国金融存款安全体系不失为明智之举。In the context of financial internationalization, maintaining the security and stability of the financial system still faces many challenges. The United States established a deposit insurance system in the 1930s to protect the legitimate rights and interests of de- positors and banks. At present, it is wise to establish and improve China＇s financial deposit security- system by establishing a deposit insurance systent.

关 键 词：存款保险制度 保险费率 国际经验 

分 类 号：F23[经济管理—会计学]