目 录
内容摘要·················································2
一、存款保险制度介绍···············································3
（一）存款保险制度的概念及分类·······································3
（二）各国的存款保险制度···········································4
二、关于挤兑的理论分析··············································4
三、在我国建立存款保险制度的必要性··································5
（一）存款保险是稳定金融的需要······································5
（二）存款保险是保护广大存户利益的需要·······························5
（三）存款保险是完善银行业监管体系的需要····························6
（四）存款保险制度是银行业对外开放的需要···························7
四、建立存款保险制度的具体方案······································7
（一）存款保险机构的设立············································7
（二）存款保险的对象···············································7
（三）存款保险的范围···············································7
（四）存款保险的参与方式···········································8
（五）存款保险的赔偿方式·············································8
（六）保险费率的确定···············································8
参考文献··························································10
内 容 摘 要
存款保险制度一般是指国家为了保护存款人的利益和维护金融秩序的稳定，通过法律形式建立的一种在银行因意外事故破产时进行债务清偿的制度。在经济稳定和银行体系稳定的状况下，一个设计良好的存款保险体系有助于保护中小存款人的利益，提高公众对银行系统的信心；在处理少数银行倒闭事件中，可以发挥重大作用，安全网的功能可以得到有效发挥。
随着我国金融改革的进一步深入，将会涌现出大量的中小银行、民营银行。在这种形势下，建立存款保险制度对于稳定金融体系、保证储户利益乃至于加强银行监管、促进金融改革都有着十分重要的意义。
