央行行长周小川日前在出席“中国首次金融部门评估规划工作总结座谈会”时强调，目前应该加快存款保险制度建设，建立健全危机管理和金融稳定框架。

Central bank governor zhou xiaochuan recently in attendance“China's first financial department to assess the planning work summary symposium”stressed，At present should speed up the deposit insurance system construction，Establish and improve crisis management and financial stability framework。

　　周小川指出，我国经济发展面临的国际形势很严峻，经济增长下行压力较大，利率市场化和汇率形成机制等改革的深入推进，维护金融稳定面临新的挑战。

Zhou xiaochuan pointed out that，The economic development of our country face the international situation is very serious，Economic growth greater downward pressure，Interest rate marketization and RMB exchange rate formation mechanism reform of propulsion，Maintain financial stability is facing new challenges。

　　他指出，要继续加强和改进金融宏观调控，完善逆周期的金融宏观审慎管理制度框架，深化金融机构改革，大力发展金融市场，鼓励金融创新，深入推进金融体系市场化进程，加快存款保险制度建设，建立健全危机管理和金融稳定框架。

He pointed out that，To continue to strengthen and improve macroeconomic regulation，Perfect countercyclical financial macro prudent management system framework，Deepening the reform of financial institutions，Developing financial market，Encourage financial innovation，Further financial system marketization process，To speed up the deposit insurance system construction，Establish and improve crisis management and financial stability framework。

　　>>解读

>>interpretation

　　存款保险制度有利于金融稳定

Deposit insurance system is beneficial to financial stability

　　国务院发展研究中心宏观经济研究部副部长魏加宁表示，从国内看，由于没有显性的存款保险制度，导致在处置金融机构破产、重组等问题时存在很大的不确定性，没有法律可循，存款人的利益得不到法律保障。此外，建立存款保险制度可以为银行业提供一个公平的竞争环境，民营资本才能够进入，经营不善的金融机构才能够退出。

The state council development research center, vice minister of macroeconomic research WeiJiaNing said，From domestic see，Since there is no explicit deposit insurance system，Lead to financial institutions in the disposal of bankruptcy、Restructuring problem exists a lot of uncertainty，There is no law to follow，The interests of the depositors can not get legal protection。In addition，The establishment of a deposit insurance system for the banking industry can provide a fair competition environment，Private capital to enter，Poor management of financial institutions to exit。

　　中国国际经济交流中心专家王天龙认为，加快建设存款保险制度有利于维护金融市场的稳定。他认为存款保险制度能够比较有效地保护中小存款人的利益，能够完善金融机构的退出机制，消除金融机构退出市场以后所带来的一些后患。此外，它还能够为货币政策和金融监管保驾护航。

China international economic exchange center experts WangTianLong think，Speed up the construction of the deposit insurance system is beneficial to maintain financial market stability。He thinks that the deposit insurance system can be effectively protect small and medium-sized the interests of the depositors，Be able to perfect financial institutions exit mechanism，Eliminate financial institutions to withdraw from the market later from some of the future trouble。In addition，It can also for monetary policy and financial regulation escort。

　　>>名词解释

>>Nouns explain

　　存款保险制度，是指银行等存款类金融机构要按照规定标准参加存款保险和缴纳保费，当某金融机构倒闭破产时，由存款保险机构按规定的标准及时向存款人予以赔付并依法参与或组织清算。它的建立是推动利率市场化改革的前提。今年以来，在推进利率市场化改革的背景下，存款保险制度被提及的次数也越来越频繁。

Deposit insurance system，It is to point to a bank and deposit financial institution shall, in accordance with the regulations standard to participate in deposit insurance and pay insurance cost，When a financial institution collapse when bankruptcy，The deposit insurance institutions in accordance with specified criteria to depositors in time to compensate and to participate in or organize liquidation according to law。It is built to promote market-oriented interest rate reform, the premise。Since this year，In promoting under the background of market-oriented interest rate reform，Deposit insurance system referred to the number of times become more and more frequently。